Every year is a little different. Every year has a few surprises in store we cannot predict. There are also some changes that we do know the new year will bring ahead of time that we can begin to prepare for now. On this program we will discuss some of those changes. For more information on this and many other important financial topics, contact Tim Stearns at (800) 640-2256 or visit the website at https://www.tjstearns.com/.