2025 Annual Portfolio Review Checklist

At least once a year it's important to review your investment portfolio and make any necessary adjustments. Here are the 10 things I check every year:

1. Write down your planned asset allocation
2. Compare your actual allocation to your plan
3. Evaluate individual holdings
4. Evaluate your asset location
5. Confirm you have beneficiaries listed for each account
6. Check your performance for the past year
7. Check for excessive stock concentration
8. Evaluate your advisor relationship & fees
9. Make sure you have 2FA on all financial accounts and email
10. Evaluate if you can simplify your portfolio

Resources

Empower: https://go.robberger.com/empower/yt-y...
Investment Tracking Spreadsheet: https://robberger.com/investment-trac...
Morningstar: https://www.morningstar.com/
ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php

0:00 - Intro
0:40 - Write down your planned asset allocation/Compare your actual allocation to your plan
3:58 - Evaluate individual holdings
6:08 - Evaluate your asset location
9:03 - Confirm you have beneficiaries listed for each account
10:03 - Check your performance for the past year
13:43 - Check for excessive stock concentration
15:10 - Evaluate your advisor relationship & fees
16:11 - Make sure you have 2FA on all financial accounts and email
17:28 - Evaluate if you can simplify your portfolio


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Financial tools I use:

I track all of my investments, performance, fees, and asset allocation with Empower. It's Free:
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My retirement plan comes from New Retirement, the most robust retirement planner available at a reasonable cost:
https://robberger.com/new-retirement

I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free:
https://robberger.com/capitalize

My budgeting tool of choice is Tiller. It downloads all your banking data to Excel or Google Sheets:
https://robberger.com/tiller

We save and invest our credit card rewards. Here are some of my favorite credit cards:
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My Book (Retire Before Mom and Dad):
https://amzn.to/4d9qbhA

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.