Happy New Year!

As the New Year rolls in, we’re all faced with the challenge of remembering to write 2016 versus 2015. But more important this is also a traditional time to take stock of where we stand with regard to our personal goals and objectives – financial and otherwise.

This is a good time to take a look at your retirement accounts and investments to see how they did last year. 2015 will most likely be a disappointing year for most investors – not a BAD year, but disappointing nonetheless.

Interest remain at historic lows, which is clearly a challenge for savers.

The stock market gave us it typical wild ride, but after all of the year’s ups and downs, it ended the year about where it started.

Given the likelihood of rising interest rates, a sluggish economy, global unrest, etc., etc., 2016 is poised to bring us more of the same.