The 90-Day Portfolio Checkup

Your 401(k) has climbed for years. Do you actually know what's inside it right now - or just that the number keeps going up?

The 90-Day Portfolio Checkup is a step-by-step action plan for self-directed investors who've watched their retirement accounts grow through a strong market run and have a nagging feeling it's time to actually look under the hood. No finance degree required, no advisor necessary - just a clear, ten-stage process broken into ninety manageable days that turns "I think it's fine" into "I know exactly what I own, why, and what I'll do next."

Unlike vague advice to "rebalance occasionally," this book gives you a literal day-by-day roadmap: gather every account, calculate your true combined allocation, set a specific target, execute the trades, audit your fees, build a real cash buffer, and automate the whole system so it maintains itself going forward.

What's inside:

- Days 1-10: Gather every account - including the old 401(k) you probably forgot about - into one honest financial snapshot

- Days 11-20: Calculate your true stock/bond/cash allocation and uncover hidden fund overlap and concentration

- Days 21-30: Set a specific, written target allocation based on your real risk tolerance, not a guess

- Days 31-40: A concrete rebalancing playbook for executing the trades, tax-smart, inside and outside retirement accounts

- Days 41-50: Audit fees and hidden costs that quietly erode returns for years without anyone noticing

- Days 51-60: Build a cash reserve sized to protect you from ever being forced to sell at the worst possible moment

- Days 61-90: Tax-smart moves, downturn protection, and full automation - so you're set up for years, not just this one

- Special situations: employer stock, old orphaned 401(k)s, and concentrated positions, handled the right way

- A reusable checkup template for every future rally, so year two takes an afternoon instead of ninety days