Happy New Year!

It’s time to take action on all those resolutions and therefore, I’m pleased to present the first issue of the LuminaFi Report. The aim of the LuminaFi Report is to provide you valuable information to help you manage your personal finances. I welcome your suggestions and feedback on making this report more useful in helping you reach your goals in 2014 and beyond.

What’s in store for health-care reform in 2014?  Is it better to use individual bonds or bond funds in your investment portfolio?  What steps can you take to protect your usernames and passwords from online hackers?  Read the LuminaFi Report for information on these topics.  And, as always, I hope you will feel free to call me if you have any questions about the information you read in the LuminaFi Report or other aspects of your personal finances.

Best wishes to you and your loved ones, for a prosperous and happy 2014!

The LuminaFi Report