Happy New Year to all!  One of the smartest resolutions we  can all  make this time of year is to stop procrastinating.  Today’s guest has fine advice as to  how we can take command of our financial wellness and plan effectively for retirement.  Financial advisor Aviva Sapers, along with co-author Andrew MacDougall, has written, “Someday Is Not a Day of the Week: Unlock Your Financial Potential Today.”  Aviva explains in easy to understand language how to develop financial confidence and create a safer, more sustainable path to your future!