The financial side is the part that people forget and forgetting it can turn a hard week into a hard year if the worst happens. It’s not that people are careless, it’s because the financial pieces are invisible until you need them, and by the time you need them, the window to get organized has closed.

Peak Atlantic hurricane season runs from August to the end of September. Late July is usually a quiet window to tackle the financial side before it becomes a scramble.

Tax season is over. You've filed (or extended), and now you're ready to forget about finances until next year. We get it.

But April is actually one of the best times to make moves that save you money, reduce stress, and set your family up for a stronger second half of the year. Here are five things we recommend to every family we work with across the Houston metro area.