Wow, what a year and what a time for reflection!

Right now has to be one of the most significant times in our country's and our own history.

As we all watch, wonder, wish and work toward better times amid the craziness on Wall Street, in Detroit and within our own investment portfolios, there is certainly a feeling of brighter times ahead with the Obama team heading toward the White House.

I for one certainly be working toward polishing my own personal brand and try to be all I can be to my clients, family, friends and to myself.

And it is with that promise of a brighter future for all of us, I offer you the following old Irish toast, "May all that you wish for be the least you get and may the best times you've ever had be the worst you'll ever see!"

I wish you have a very blessed 2009.