Halfway through the year is one of the best moments to look at your financial plan with fresh eyes. Tax season is behind you, year-end pressure hasn't arrived yet, and six months of real data gives you a far stronger foundation than the assumptions most of us start January with. Here are five questions worth asking before your mid-year review.

Most retirement plans focus on saving, but far fewer address how to spend those savings efficiently. The five years before retirement and the fifteen that follow create a critical window where decisions around taxes, withdrawals, and account structure can have an outsized impact. It is not just about how much you have, it is about where it sits and how it is used.