By Anil Grandhi | Member, Forbes Finance Council | CEO of AG FinTax
When was the last time you took a deep dive into your entire financial life—not just your taxes, but your investments, retirement goals, and risk protection too? As a financial strategist, I’ve worked with hundreds of individuals and business owners, and most don’t realize just how many financial blind spots they have.
That’s exactly why we created the 360° Tax & Financial Health Check-Up—a holistic, expert-driven review that helps you uncover gaps, reduce tax liability, and align your financial goals with smart, actionable strategies.
Below are 10 warning signs that indicate it’s time for you to book your own financial check-up:
10 Signs You Need a Financial Health Check-Up
- You’re Not Sure Where Your Money Goes Each Month
If you’re unsure about your monthly cash flow—what comes in vs. what goes out—it’s time to reassess your spending habits and budgeting strategy.
- You’ve Never Had a Professional Tax Return Review
Even if you use tax software or an accountant, many tax savings opportunities (like deductions, credits, or R&D credits for business owners) are often missed without a strategic review.
- You’re Paying High Interest on Debt
If you’re carrying credit card balances or loans with double-digit interest rates, it may be costing you more than you think—financially and emotionally.
- Your Emergency Fund Can’t Cover 3–6 Months of Expenses
Lack of liquidity is one of the biggest risks in uncertain times. A comprehensive check-up ensures you’re protected in case of emergencies.
- You Don’t Know How Your Investments Are Taxed
Not all investment accounts are created equal. Without understanding tax-deferred, taxable, and tax-free options, you could be losing thousands in taxes.
- You Don’t Have an Estate Plan or Life Insurance
If something were to happen tomorrow, would your family be financially secure? A proper risk protection strategy is a critical part of financial wellness.
- Your Retirement Plan Is “Someday”
Whether you’re 25 or 55, having a clear retirement roadmap with projections is key. Time lost is compound interest lost.
- You’re Not Maximizing Tax-Advantaged Accounts
Are you using 401(k)s, IRAs, HSAs, or 529 college savings plans effectively? Strategic allocation across these accounts can supercharge your savings.
- Your Financial Goals Are Not Documented
Without clearly defined, measurable goals (and a plan to reach them), you’re simply hoping for success—not planning for it.
- You’re Not Working with a Financial Expert
DIY is great for home projects—not always for your financial life. A financial advisor brings tax-saving strategies, unbiased advice, and peace of mind.
Why a 360° Tax & Financial Health Check-Up Matters
At AG FinTax, our 360° Check-Up is a one-time, expert-led consultation that reviews your taxes, investments, cash flow, retirement goals, and overall financial strategy—for just $24.99.
You’ll receive:
- A personalized financial snapshot
- Insights on hidden tax-saving opportunities
- A roadmap to build wealth with confidence
Ready to Take Control?
Don’t wait until tax season or a financial emergency forces you to act. A proactive financial check-up could be the smartest move you make this year.
Sign Up for Checkup or Download Free E-Book: https://www.agfintax.com/check-your-360-tax-and-financial-health/
