10 Ways to Improve Your Finances Before Year-End

By Ben Steverman - Dec 12, 2011 11:43 AM ET

http://www.bloomberg.com/money-gallery/2011-12-12/10-ways-to-improve-your-finances-before-year-end.html#slide8

Reevaluate Risk

Chris Walters, executive vice president at CitizensTrust, is using the end of the year to discuss with clients how many risky assets, such as stocks, they can handle in their portfolios. In this market, "clients are getting bounced all over the place," he says. "If it's really stressing them out, then do they need to pull back?" One problem is the uncertainty in the financial and geopolitical outlook. "If it's driving you crazy now, it's going to drive you crazy in six months too," he says.