As spring arrives, April is an ideal month for a financial reset. Two priorities stand out: reviewing your insurance coverage—life, health, auto, homeowners—to ensure it still fits your needs, and making your IRA contributions before the tax filing deadline. Even small adjustments now can pay off, helping protect your assets and build your retirement nest egg with confidence.

The Federal Reserve has decided to hold interest rates steady—for now. With unemployment low, inflation still near target, and concerns about financial stability, the Fed is balancing risks vs reward. While some market players expect cuts, this move highlights the importance of maintaining diversified portfolios and staying ready for whatever monetary policy comes next.

March offers a perfect reset: use this month’s financial guide to “spring clean” your finances—review your budget, track spending, consolidate accounts, check your credit report, and negotiate bills. Also, start or grow your emergency fund by automating savings, exploring high-yield accounts, and cutting discretionary costs. Small actions now build resilience for whatever comes next.