We are nearly half way through 2020 and this is a good time to get your finances in shape. You are one year closer to (or further into) retirement, there’s a lot of international market volatility, and you are bound to have some lifestyle changes in the coming year. RECORD YOUR STARTING POINT Begin by taking an inventory of your finances. This stage is about getting organized. When you receive year-end financial statements, keep them in a designated folder and use them as a basis for your inventory. Create a balance sheet with your assets and liabilities. Take stock of your investments, but also unpaid medical bills, student loans. Then, look at your estate planning documents, insurance poli