Portfolio Review
Establish a periodic process for reviewing contributions, allocation, diversification, fees, and progress toward investment goals.
What Portfolio Review gets you.
By the end of this upgrade you will have a repeatable process and schedule for reviewing your investment portfolio's contributions, allocation, fees, and progress.
- Access to all investment account statements
- Your documented target asset allocation
- Prior fee audit results, if completed
- A recurring calendar slot for reviews
Run the upgrade.
- 01
Set a fixed review cadence
Choose a recurring date (e.g., first weekend of each quarter) and put it on your calendar as a recurring event rather than relying on memory.
- 02
Build a standing review checklist
Create a checklist covering: contribution amounts, current vs. target allocation, total fees, diversification, and progress toward each goal.
- 03
Check contributions against plan
Confirm automatic contributions actually occurred at the intended amount and frequency since the last review.
- 04
Compare current allocation to target
Recalculate your actual percentage mix across accounts and compare it to your target; flag any drift beyond a set threshold (e.g., 5 percentage points).
Drift = current category % − target category %
- 05
Rebalance if drift exceeds your threshold
If drift exceeds your threshold, direct new contributions toward the underweight category first before selling the overweight category, to limit taxable events.
- 06
Log progress toward each goal
Record current balance versus the target balance and timeline for each investing goal, noting whether you're ahead, on track, or behind.
- Recurring review date is on the calendar
- A written checklist exists and was used for the most recent review
- Allocation drift was calculated and addressed if over threshold
- Progress toward each goal is logged with a status
Quarterly
- Run the full checklist every quarter without skipping steps
- Update targets after major life or goal changes
- Re-run the fee audit at least once a year
This is a process framework, not personalized investment advice.