The first "Something More with Chris Boyd" show of 2013 has Chris looking at starting the new year with some financial planning. January is a good time to look at your budget, insurance coverage, and portfolio and review what changes need to be made. Chris concludes the first hour by discussing the year in review, the job rate, the debt ceiling, the impending sequestration, and the tax changes. The second hour of the show has Chris welcoming special guest Pam Krueger of PBS' Money Track. Pam and Chris discuss the client-financial advisor relationship and the advisor as a co-pilot of one's retirement planning.