By: John P. Napolitano, CFP®, CPA, PFS, MST

Here we are, early in the dawn of a new year full of enthusiasm and vigor with more resolutions than any single person can possibly complete. Let’s hope for the well-being of you and your loved ones that personal and fiscal health are on the list.

It seems for both categories, we all know generally what to do. We need to eat right, exercise, and get plenty of rest on the personal side. On the fiscal side, we need to spend less than we earn, save, get your estate in order and all the other stuff I’ve written about the past three decades.  Yet why is it so many of us are walking around with major deficiencies in our lives?  How many other things in your life would you let fester half-baked or all messed up?

It could be fear of finally coming to grips that you didn’t really know what you were doing, and that you’ve been neglecting this for years.  Whether it's lousy investments that you keep praying will bounce back or the shortage of life insurance that may leave loved ones wondering where to go next in the event of your premature passing.

Guys, I’m sorry to pick on you but in my experience it's frequently men that act as if they’re in complete control.  Some may have pinned the tail on the donkey by accident, but most have their pins all over the place without a chance of hitting the target. Don’t worry men, when you do finally agree to get professional advice, you’ll need to do it as a couple and your spouse will breathe a big sigh of relief as all your dangling financial issues come to light and begin to make sense. And to my fiscally savvy women readers, please don’t take this personally, I’m just stating the facts of my day to day interaction with families all over the USA.

It could be you’re surrounded by competent “yes men and women”. What that means is you’ve hired top name accountants, attorneys, insurance, and investment people. You hired the biggest and most well-known names that you could find.  Of course, that doesn’t automatically mean you’ve got gaps in your plan. But in my experience and personal opinion, there is often little coordination of their efforts and that may cause holes. Furthermore, many of today’s large corporate financial services companies are sometimes run like large box stores with sales quotas and other ways to gain extra margin and profit for their shareholders.

Start the year off right, and look at everything with a fresh set of eyes and wonder what possibilities lie in waiting for you.  If you approach it with a positive attitude, you may find that all I’ve been spewing over the years is actually about you.

Making Cents is published in Gatehouse Media publications including thePatriot Ledger

John P. Napolitano CFP®, CPA is CEO of U. S. Wealth Management in Braintree, MA. Visit JohnPNapolitano on LinkedIn or uswealthnapolitano.com . The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.