Get Ahead of Your Goals with Peavy and Associates

June marks the halfway point of the year—making it the perfect time to pause, reassess, and reset your financial game plan. Whether you’re managing personal finances, running a small business, or planning for retirement, a mid-year check-in helps ensure you’re on track and taking advantage of every opportunity.

At Peavy and Associates, we believe smart planning is the key to long-term success. Here are five financial moves you can make this month to get ahead.

1. Review Your Income & Spending

Start by taking a close look at your budget. Have your income or expenses changed since January? Are you sticking to your savings goals?

✅ Questions to ask:

  • Am I spending within my means?
  • Where can I cut back or reallocate?
  • Have there been any unexpected expenses?

Tip: Use this opportunity to rebalance or adjust for the next six months.

2. Check Your Tax Withholding & Estimated Payments

If you received a large refund (or owed more than expected) last tax season, it might be time to update your W-4 or review your quarterly estimated tax payments.

🧾 For business owners and freelancers:

June is a great time to assess your profit so far and adjust Q3 estimated payments to avoid penalties later.

3. Maximize Retirement Contributions

Are you contributing enough to your 401(k), IRA, or other retirement plans? Increasing your contributions—even slightly—now can have a big impact by year-end.

📈 Consider:

  • Reviewing contribution limits for 2025
  • Opening a Roth IRA if eligible
  • Making catch-up contributions if you’re 50+

Need help reviewing your options? We’re here to guide you based on your income and goals.

4. Evaluate Your Financial Goals

What were your goals back in January? Paying down debt, saving for a home, building an emergency fund? Now is the time to see how you’re progressing and course-correct if needed.

💡 Pro Tip: Break down big goals into smaller, monthly targets for the rest of the year.

5. Schedule a Mid-Year Review with a Trusted Advisor

Financial planning isn’t just for tax season. By checking in mid-year, we can help you identify savings opportunities, avoid surprises, and set yourself up for a smooth second half of the year.

👔 At Peavy and Associates, we offer:

  • Personalized mid-year financial reviews
  • Tax strategy updates
  • Business planning and forecasting
  • Retirement and estate planning support

Let’s Make the Second Half Even Stronger 💼

Whether you’re an individual looking to get organized or a business owner preparing for Q3, June is the time to act. A little planning now can lead to major peace of mind later.

📅 Book your mid-year financial checkup with Peavy and Associates today.

We proudly serve individuals, families, and businesses across South Carolina—and we’re ready to help you thrive.