Full portfolio review, financial plan progress, goal updates, market commentary, prior action items, and forward-looking strategy. The updated financial plan is delivered with this meeting for all client segments.

Financial plan tracking (goals, protection, net worth, benefits, tax planning, estate planning) and portfolio rebalancing across both Merino Wealth and employer-sponsored accounts. For advanced clients only.

Life events, complex planning questions, equity compensation, Roth conversions, estate planning, account check-ins, follow-ups, and benefits or employer plan questions—anything not requiring a full review.

Tax projections, Roth conversions, capital gains harvesting, estimated payments, and year-end or mid-year tax strategy.

Open enrollment decisions, health, dental, and vision selections, HSA/FSA strategy, employer benefit questions, and disability or life insurance.

Plan performance, contribution strategy, plan design updates, compliance status, participation, and fee analysis for company-sponsored plans managed by Merino Wealth.