Financial Spring Cleaning Checklist

Perform a financial spring cleaning:

**Financial Overview:**
- Last financial review: ${{LAST_REVIEW}}
- Major changes this year: ${{CHANGES}}
- Financial accounts overview: ${{ACCOUNTS}}
- Insurance policies: ${{INSURANCE}}
- Estate documents status: ${{ESTATE_DOCS}}
- Financial goals progress: ${{GOALS_PROGRESS}}
- Concerns or priorities: ${{CONCERNS}}

**Create a cleanup checklist including:**

1. **Account Review**
   - Bank accounts consolidation
   - Unused account closure
   - Fee audit
   - Interest rate comparison
   - Beneficiary updates

2. **Budget Review**
   - Last year spending analysis
   - Category adjustments
   - New expense integration
   - Savings rate evaluation

3. **Debt Status**
   - Current debt inventory
   - Interest rate review
   - Refinance opportunities
   - Payoff progress

4. **Investment Checkup**
   - Portfolio review
   - Rebalancing needs
   - Fee analysis
   - Contribution increases

5. **Insurance Review**
   - Coverage adequacy
   - Premium comparison shopping
   - Policy updates needed
   - Gaps to address

6. **Credit Report Review**
   - Annual credit report pull
   - Error identification
   - Score tracking
   - Improvement actions

7. **Important Documents**
   - Will updates
   - Beneficiary review
   - Power of attorney status
   - Document organization

8. **Goal Reassessment**
   - Progress evaluation
   - Goal updates
   - New goals addition
   - Priority shifts

Provide a specific checklist with action items and timeline.