Fantasizing about reaching your financial goals is easy. Actually accomplishing them is more difficult.

More than one-third of Americans considered a financial resolution for 2016, according to a telephone survey of more than 2,000 Americans by Fidelity Investments. Top goals included saving more, spending less and paying down debt. For these goal-setters, summer is a great time to gauge progress made toward those objectives, experts say.

“I do think a midyear financial checkup is a great idea because, hopefully, Americans are slowing down a bit,” says Pamela Sandy, a certified financial planner and president of the Financial Planning Association.

Not only is summertime a good halfway point between New Year’s money resolutions and year-end tax planning, it’ll also be easier to contact financial experts, tax planners, human resources representatives and other advisors, who are less swamped in the off-season.