Hard to believe the holidays are here and another year gone by. It’s been a year of drastic change for many with the recession and quaking stock market. I hope you are weathering the storm. I like to be positive and thankful in times like these even when I’ve gone through quite a change in the past year. I’ve gone from a mild mannered newspaper guy to a financial planner, from a comfortable home to temporary housing in a new city, from one toddler to two. It’s change like this that reminds us to constantly be ready for change in our lives, usually change someone or something makes for us and sometimes good and sometime bad. Luckily, I like to plan for changes, and maybe that’s why I enjoy being a financial planner.