Make time for a regular financial checkup

A financial review is a wellness check for your money. Together with a banking professional or financial
advisor, you’ll identify your fiscal goals and strategize the best way to meet them.

Even if you already use a monthly budget and monitor investments, an annual review helps ensure
you’re on the right path. Many banks offer complimentary reviews and will help you create a
personalized plan for your unique situation.

Here are five reasons to consider a financial review:

1. Stay aligned with your changing needs
   Things change over time. We have kids, move to a new home, start thinking more about college or
   retirement. By reviewing the plan each year, you’ll be able to make adjustments that align with your
   evolving needs.
   
   Your banker or advisor can help you make informed decisions about where to spend and how much to save, as well as suggest other proactive steps to help reach your goals more effectively.
   
   
2. Reevaluate your investments
   A review is an opportunity to rebalance your portfolio and to double-check your risk tolerance and
   investments. This is important to do as life goals and economic conditions shift.
   
   
3. Maximize your tax efficiency
   A regular review ensures you're taking advantage of available tax savings and staying ahead of changes in the tax laws. This is particularly important as you approach big financial milestones, like financing higher education, selling a house or planning for retirement.
   
   
4. Retire with confidence
   Whether retirement is decades away or around the corner, a financial review will assess your progress.
   
   Together you’ll determine how much money you’ll need in retirement. You’ll identify any gaps and get guidance on how to make your money last.
   
   
5. Protect your legacy
   A financial review can also include how your assets are distributed to the next generation.
   
   At Umpqua Bank, we’re here to help you make informed decisions and achieve a strong, secure financial future for you and your family.

Schedule an appointment today. Stop by your local Umpqua branch or call (866) 486-7782.