Have you written your 2019 goals yet? As a fun exercise (or at least my voice-geeky idea of fun) I’m going to share mine. FYI dollars I’d like to make and pounds I’d like to lose were redacted. 🙂 To improve my Cash Flow this year, I will:Earn more than last yearCover all expenses and savings goalsStay under budgetMax out Health Savings AccountInvest more in my retirement fundsBook five new clients in New York City To improve my Tools this year, I will:Get new business cards

Good morning and welcome to 2013! I know it started last week but last week didn’t count. It wasn’t a full week and every day felt like a Sunday, am I right? This is the week when we’re all excited & optimistic about the new year. I know many of you had a bit of a rough going in 2012 so 2013 couldn’t come fast enough! Now that it’s here, what do we do? How do we take all that optimism & hope and turn it into something tangible, something actionable? Why, with an Action Plan,