MAKING YOUR FINANCIAL NEW YEARíS RESOLUTIONS

Every January 1, millions of people make New Yearís resolutions. Promises are made to lose weight, to get along better with the boss, and to exercise regularly. These yearly promises are usually made to improve a physical or social condition. But seldom are promises made to enhance an area of life that is just as important -- the financial condition. Hereís a list of New Yearís resolutions for financial success:

I PROMISE TO GET MY FINANCIAL RECORDS ORGANIZED.

One of the most crucial steps in an investment strategy is conducting a personal inventory of your financial resources. Once you make a list of your assets, youíll be prepared for the task at hand.

I WILL SET A CLEAR FINANCIAL OBJECTIVE.

Too many investors make quick decisions without setting clear goals for their investments. Identify -- financially -- what you want to accomplish and when you want to accomplish it.

I NEED TO DEVELOP A PLAN.

Developing a successful investment strategy is more than just figuring out your financial objectives. It requires coming up with a plan of attack and sticking to it.

I MUST DECIDE HOW MUCH RISK I WANT TO TAKE.

Know your comfort level. Investments range from the extremely stable and conservative to volatile and risky. Remember the risk/reward axiom: greater rewards usually require greater risks.<

I WILL GET INVOLVED IN THE PROCESS.

When it comes to managing your money, donít forget to take an active role in your investments. Stay in touch with how your investments are doing. Read your statements and ask questions. Your money is at stake!

I PROMISE NOT TO PLACE ALL MY EGGS IN ONE BASKET.

Spreading your money among a variety of investments reduces the risk of your overall portfolio. Your best choice -- stay diversified.

I WONíT BECOME OVERWHELMED BY THE ENORMITY OF THE TASK.

Many beginning investors have tight budgets and little cash for investing. No matter how limited your initial resources, the smartest thing an investor can do is start early.

I PROMISE TO HAVE PATIENCE.

Rome wasnít built in a day, nor is financial security. It takes time. It takes care. Instead of expecting overnight success, wait out economic cycles and let time work for you.

I WILL NOT LET EMOTIONS OVERRULE REASON.

Donít fall in love with an investment. Knowing when to sell is just as important as knowing when to buy. Remaining objective and adhering to your strategy will help safeguard you from inappropriate and sometimes questionable actions.

Securities offered through MML Investors Services, Inc., 100 SW Washington Street, Peoria, IL 61602