A Plan That Grows with You:
Why We Revisit Every Year
By: Tim P. Miller, AIF, CIMA |Published October 20, 2026
Tim Miller is a partner at BenchMark Financial Advisors with over 30 years of wealth management and investment experience.
https://www.benchmarkfa.com/team/timothy-p-miller-cima-aif
Life changes. Markets change. Tax laws change.
A plan that doesn't change with them quietly goes off track quickly.
The core idea
● Too often, financial plans are treated as a one-time event rather than an evolving strategy that changes as your life changes.
● Ours is flexible rather than fixed — revisited and refined year after year.
● The BenchMark Process is specifically an "ongoing, annually revisited planning system."
What gets revisited each year
● Rebalancing — keeping your portfolio where it should be as markets shift it.
● Tax opportunities — new legislation, new contribution limits, new conversion windows.
● Income adjustments -- updating your withdrawal strategy as your needs evolve.
● Market changes — repositioning more offensively or defensively depending on conditions.
● Family changes — a new grandchild, a health change, a shift in your goals.
● Legislative changes — SECURE Act updates, new tax brackets, new RMD rules.
Why these matters
● A plan frozen at retirement doesn't reflect the retirement you're living after two or five years.
● Annual review isn't a formality — it's where the plan stays useful.
● It's baked into the Process itself: Review feeds directly back into Discover, every year
Want to see what an actual annual review looks like, and why does “nothing changed" almost never mean nothing changed?
Read the full article: "Why Your Plan Should Never Be Finished: The Case for Annual Review."
The information provided is for educational and informational purposes only. Concurrent Investment Advisors, LLC, d/b/a Benchmark Financial Advisors, does not provide legal or tax advice. Please consult with your attorney, accountant, or tax advisor based on your individual circumstances.