First, I have an apology to get off my shoulders. Last month, in an effort to highlight a really cool client couple (who just happen to be senior citizens), I hurt the feelings of Jim Armbruster by referring to his beloved T-Bird as a Mustang. Upon seeing my column, Jim promptly informed his dear wife, Margie, that his T-Bird could outrun a Mustang any day of the year, and she duly notified me of the distinction. Jim, I'm sorry and, to prove it, I've gone back to my failproof method of identifying cars - by color. At least I know a black car when I see one!

Each month, I approach the writing of this newsletter with a mixture of excitement and anxiety. I'm excited about the chance to educate others on my passion - helping people improve their lives. When our clients take control of the choices they make with their dollars, their success leads to other victories - in marriage, as parents, spiritually, etc. At the same time, I'm anxious as I sort through many themes that can help readers live better lives - so much to write about, so little time! As we enter this season of thanks, it is my prayer that you will find some words in this newsletter that will impact you in a special way.

Sincerely,