After a complicated year, the next dawns with new opportunities. Now is the time to think about the new year and plan for action. The start of a year is the right time to work on a dream or two. It is also an excellent time to adjust or refine a financial strategy. As I bid farewell to [Enter Previous Year], I am thinking of you—and I hope this new year brings joy, peace, and happiness to you and all those you love in [Enter New Year]. |

Happy New Year
December 30, 2022