But it’s possible to do things differently – to set goals in a way that helps you to actually achieve them.

In our last article of 2023, we’ll give you simple tips on how anyone can set realistic, achievable goals – and sustain long-term motivation so that you continue to take steps toward your resolutions all year long.

Why are goals important?

Research has found that setting goals is an important component of good mental health and overall well-being. Setting and reaching goals helps you stay motivated and uplifted in life. It can also help you reflect on where your life is headed and make changes when you need to. Going on to meet those goals can give you a sense of confidence and mastery.

Setting goals is especially important if you live with a mental health condition like depression or anxiety. When we set goals for recovery, we can measure each small step we take toward taking care of ourselves and overcoming mental health challenges.

But New Year’s isn’t the only time we can set goals. Goals are important all year round. The start of a new year can mark a great opportunity to start working toward a new goal, but you don’t need to wait until January 1st if inspiration strikes another time.

How to stay focused on your goals

There are simple changes you can make to help yourself stay focused on your goals throughout the year. Here are some helpful, easy tips that you can follow as you prepare to make resolutions for the new year.

Set clear goals

When goals are vague, it becomes difficult to measure whether or not you’re meeting or even making any progress toward them. For example, take the goal, “Improve my physical health” – one of the most common goals that people set. What, exactly, does it mean? How will you know whether you’ve met this goal, and exactly how much “improvement” is enough?

Avoid this confusion by setting clear, measurable goals. For example, instead of “Improve physical health,” think about exactly what you want to improve and how. Is it taking your prescribed medication every day? Going to the gym 3 times per week? Whatever it is, make it as specific as possible.

Tell people

Research has found that committing to your goals publicly – telling other people about them – makes you more likely to stay focused on them. It’s the accountability partner effect – when others know that you’re working toward a goal, you don’t want to let them down. It becomes about more than just you.

But be careful about who you tell. Accountability partners are only effective if you value their opinions. Choose your partners wisely, and tell people you respect about your goals.

Think about what you want, not what you don’t want

A 2020 study looked at what helped people stick to New Year’s resolutions. They found that people who had approach-oriented goals (trying to get closer to what they do want) rather than avoidance goals (trying to move away from what they don’t want) were more likely to be successful.

When you’re setting your resolutions, look toward what you want rather than what you don’t want. Stay away from goals that start with “stay away from” or “stop doing.” Reframe them to think about what it is that you do and what your life looks like.

For example, instead of “Stop drinking,” set a goal of “Call my sponsor every time I want to have a drink.” Instead of “Stop mindless scrolling,” set your sights on “Spend at least 5 waking hours every day doing screen-free activities.”

Connect to your “why”

Motivational interviewing (MI) is an evidence-based counseling technique that was originally developed to help people overcome alcohol addiction. One of the core concepts in MI is ambivalence or the idea that we usually both want to change something and don’t want to change it at the same time.

For example, if your New Year’s resolution is to go to the gym, there are probably lots of reasons why you want to accomplish that – losing weight, increasing energy levels, and so on – but also lots of reasons why you don’t want to go, including a lack of energy and want to spend your time doing other things.

To overcome this ambivalence, it’s important to be aware of the reasons that it’s important for you to meet these goals. Think deeply; why is it important to you to go to the gym? What would improved health mean for your life? What’s the deeper reason why you chose this goal?

Ask for support

Lastly, don’t be afraid to ask for help. It’s challenging for any of us to meet all of our goals on our own. Asking for the support you need may mark the difference between being able to stay motivated toward your goals and letting them fall by the wayside.

Ask your friends to check in with you and encourage you to take steps. Be specific about how they can help you; for example, do you need someone to go to the gym with you? Do you need a sober friend to hang out with when you feel tempted to drink?

In addition, a professional counselor can help you stay focused on your goals by:

• Helping you identify triggers that lead you to stray from your goals
• Equipping you with coping tools to overcome those triggers
• Providing a safe and therapeutic space to explore the inspiration behind these goals
• Addressing any underlying mental health issues that could get in your way

Employee support and well-being with MINES

MINES has free and confidential counseling available to you 24/7. We’ve been offering unparalleled expertise in the area of business programs and employee psychology for 43 years – and 2024 will be no different.

We look forward to continuing to work together to support your organizational and personal wellness.

To Your Wellbeing,

The MINES Team

The post Simple Tips to Help You Actually Stick to Your Goals in 2024 appeared first on MINES and Associates.

Guest article from MINES’ Wellness Provider Michelle Zellner

Cambridge dictionary states a resolution is “a promise to yourself to do or not do something” and January is the most popular month where many declare these promises to change habits and accomplish goals. Resolutions have been around for thousands of years, originally focused on pleasing the gods, rather than pleasing or bettering ourselves. As cultures and society have evolved, so too, has the concept of resolutions. Modern life has afforded many the luxuries of easy access to food, less need for physical exertion, ability to obtain material goods and opportunities to experience joy for joy’s sake. Relative to centuries ago, modern life is one of abundance, however, in terms of physical, mental and financial health, a life of ease and excess can put one in a precarious position. January to the rescue!

I’ve asked myself for years, ‘what is so special about January?’, even while following the herd in making said promises. There is something psychologically enticing about waiting to start fresh, on a symbolic fresh start, be it on Monday, the first of the month, or the beginning of a new year. It not only provides a target for jumping on board, but also allows us to put off something we might not be super excited about doing. It gives us an opportunity for one last act of rebellion or defiance before we resolve to get serious about tackling a challenge.

And yet, few are successful at fulfilling the promises they make. Some have gone down the same path for years and years, only to finally give up on making resolutions. The perspective is “why bother if they aren’t going to come true anyway” as if there is a magical property of simply making a promise. This was where I eventually found myself, and for a span of time simply shrugged of the whole resolution thing, reverting to an eye roll when the topic came around for discussion.

Fast forward a few years where I faced the ugly truth that unless I got a grip on some of my habits and ways about life, my future self would be living with many regrets. I took a step back to analyze WHY I wasn’t successful in following through on these promises that I truly believed in. I really did want to eat better, lose weight, and get along with my sister. There were activities and bucket-list experiences I whole-heartedly wanted to check off. WHY had these things not yet happened for me? While each particular goal has its unique answer, there was a common theme. I had simply not taken the time to set myself up for success. This shift of perspective, rewriting the failure narrative, and a new approach was just what I needed.

The first step to my resolution solution is to clarify exactly what it is I am wanting to achieve. Eat better, lose weight, have a better relationship with my sister—these are all vague and ambiguous. Specifics make it easy to highlight whether or not I am setting a realistic expectation and gives me a tangible result to track and measure. It also carves a path for reflection to see what is and isn’t working.

The next step is to ask myself WHY? Why do I want to eat better, lose weight, get along with my sister, run a marathon, visit my friend Sara, etc? Whether behavior change, accomplishing a goal or checking off a bucket-list experience, there should be a good reason why you want to do that. If you don’t have a strong, personally meaningful motivator, the likelihood you are going to make the hard choices necessary is pretty slim.

Once I’ve determined my WHY, I’ll need to identify potential obstacles that will prevent me from following through on the actions. When I reflected upon my past attempts at behavior change, this was the step I failed to recognize. If I didn’t account for an obstacle and figure out a strategy around it, I would hit the wall and turn around—ie, I failed. Sometimes there are multiple obstacles, requiring multiple strategies. Uncovering these is part of the discovery and growth process and will enhance self-awareness that will prove useful in the future!

I realized a major obstacle to achieving my goals was my state of mind. My younger self was inundated with limiting beliefs and ingrained internal narratives and gravitated toward all-or-nothing tendencies. These are roadblocks to success and changing my mind was imperative. Adopting a growth mindset, challenging the inner chatter and combating the critic are foundational elements for growth and crucial to keep you moving forward on the journey. While there are a few things that require an all-or-nothing approach, for many habits we are attempting to change, this approach will actually lead you nowhere fast.

Another component of my solution is to ask for help and support. Change is hard. Conquering challenges is hard. Doing this alone is hard. Humans are pack animals, designed to be guided, held accountable and cheered. To go down the road alone is not only not necessary, but not normal! Support can look a variety of ways: a best friend, a like-minded person, a coach, a group focused on similar goals. The key is SOMEONE should know what it is you are trying to accomplish and how they can support you in that endeavor.

With all of these concepts in place, I still felt a bit squishy when I would hear the word “resolution”. That word feels rigid–you either kept the promise or you didn’t. There is no room for grey, for better than, for closer than I was before. Life is not rigid, few things are black OR white, and many things we strive for are an ongoing process.

Resolution tends to focus on a final outcome, and while we aim to achieve these results, we are actually only in charge of our behaviors. And that was my lightbulb moment! If I shift my energy to what I am in control of, engage in behaviors necessary to reach an outcome, I’ll most likely reach the outcome. Or get closer to it. Or learn a lot about myself along the way, making me better than I was before. Any which way it goes, I cannot fail.

So rather than setting resolutions, I set my intentions, aligning them with my priorities, values and core guiding principles. I declare how I intend to spend my time, energy and money and outline the choices I intend to make. Navigating my own course, diligently implementing the strategies to follow through, is empowering and inspiring. Enjoying the benefits of hard work is satisfying and motivating. This triggers an attitude of curiosity, a perpetual appetite for challenge and desire to thrive.

Every now and then I don’t even bother waiting until January to get started.

To your wellbeing,

The MINES Team

Content provided by:

Michelle Zellner, Owner Better Beings/Creator of the YOU Revolution, Health and Happiness Strategist, Author/Public Speaker/Corporate Wellness Trainer

michelle@betterbeings

www.betterbeings.net

The post The Resolution Solution appeared first on MINES and Associates.

	A Healthier Year
“Rowing harder doesn’t help if the boat is headed in the wrong direction.” — Kenichi Ohmae Happy New Year and welcome to the January 2021 edition of TotalWellbeing, your guide to the 8 dimensions of wellbeing. Let’s start the year off on the right foot and talk about some resolutions and wellness related goal setting. Resolutions can seem superficial but having real and concrete goals can help you stay focused and motivated. This is why it is important to set goals that are specific and measurable. Don’t aim for the moon! Set goals that you know are in the realm of possibility and then measure your progress. Adjust as you go and if you hit your goal set another; if you fall short readjust and keep going! Use the tips below to help you set your actionable goals and make 2021 a great year for your wellbeing. As a quick reminder, with MINES you have access to free professional wellness coaching sessions to help you set, track, and reach your wellness goals! Also, your online portal, PersonalAdvantage, has helpful articles, tips, and resources on wellbeing, setting goals, and stress management. Please call or log on today for articles, self-help tools, health assessments, and more. To your total wellbeing, The MINES Team Stay Healthy: Practice Prevention Medical advances and technology can detect diseases earlier than ever before and save lives but making prevention a part of your everyday life is just as important. Follow these tips to help stay mindful of, and safeguard, your wellbeing. Maintain a Healthy Weight: Being overweight increases your risk for heart disease, diabetes, cancer, and high blood pressure. To stay at a healthy weight, you need to balance the number of calories you eat with the number you burn off in physical activity. You can reach a healthy weight and stay there by eating right and being physically active. Exercise Most Days: Physical activity can help prevent heart disease, obesity, high blood pressure, diabetes, some cancers, and mental health problems, such as depression. It’s a good idea to aim for at least moderate activity, such as brisk walking, bike riding, housecleaning, or playing with your children for 30 to 60 minutes most days of the week. Generally, the more active you are, the better you’ll feel today and the healthier you’ll become tomorrow. Stop Smoking: More than 440,000 Americans die each year from smoking and smoking-related causes. Smoking causes illnesses such as cancer, heart and lung disease, stroke, and problems during pregnancy. Take Medicines Correctly: Always be sure you know important information about a medicine before you take it. This will help you get the full benefit of the drug. It also will help you avoid taking too much or too little, which can be dangerous. Get Your Shots: You can prevent several serious diseases by getting immunized. Check with your health care provider to be sure you’ve had immunization for measles-mumps-rubella, tetanus-diphtheria, whooping cough, and influenza. If you are at risk for hepatitis A, B, or C, you should be immunized against them. People older than 65 should be immunized against pneumococcal pneumonia. Get Checked and Screened: Checkups and screening tests help find diseases or health problems early, when they’re easier to treat and cure. Read more here. Remember, your Employee Assistance Program is here to help if you maintain your wellbeing and manage your feelings around health concerns or any other stressors life throws your way. This includes counseling, self-help tools, wellness coaching, and more. If you need additional information, or to access services, please call MINES and Associates at 1-800-873-7138 today. Also, PersonalAdvantage has a ton of great resources and FREE webinars.
The Art of Resolutions This time of year everyone is thinking of personal Resolutions or writing about making resolutions. How do you choose what is the best resolution for you? And how do you make sure you follow through with whatever resolution you decide on? And with 2021 starting off amidst COVID, how do you achieve your goals and/or resolutions? There are many ways that you can look for, and choose, your yearly resolutions and there is merit to each way. S.M.A.R.T. Goals First, you can set a SMART goal that is specific, measurable, achievable, timely. By having a SMART goal, you are able to track and document your success and you can see where you are struggling. You can also adjust or fine-tune your goal in this model as you need to since you have 5 points of adjustability. What may start as an achievable goal in January may not be achievable in the same way in September. Wellbeing Focused Goals You can choose resolutions around one aspect of wellbeing for the whole year or one each month. This means you could make a resolution for the whole year to focus on your financial wellbeing or you could address one of the eight dimensions of wellbeing each month, so you have a well-rounded improvement of your wellbeing. Child-forward Goals It is important to remember that whatever resolution or goal you come up with, it is essential for it to be beneficial or enjoyable for you so that you want to stick with it. Whether it is a way for you to smile more, connect to others, create something from nothing, or explore a new activity, resolutions only work when you like what you are getting out of them. Center Your Focus Whether you choose to label your goals as resolutions or not, and whatever you choose to pursue in 2021, do so with your whole heart, stay focused, let others know your goals and resolutions so they can support you, and remind yourself that there will be ups and downs. Don’t be too hard on yourself when you fail. Be accepting of what changes need to happen so that you are able to accomplish your goals even if it isn’t to the extent you originally wanted. Focus on what really matters and the rest will fall into place. MINES is proud to offer wellness training, coaches, and comprehensive wellness tools to help you and your household members reach their wellbeing goals. Feel free to outreach us if you would like a boost to your mental wellbeing or any of the other 8 wellness areas. Call us at 1-800-873-7138 to see how we can help you achieve your goals and resolutions.
Question of the Month What is one realistic health or wellness goal you want to achieve this year? What can you do to make sure you achieve this goal? How will you measure progress? How will you handle setbacks?
If you or a member of your household needs assistance or guidance on any of these wellbeing topics, please call MINES & Associates, your EAP, today for free, confidential, 24/7 assistance at 800.873.7138.
This Month’s Focus Free Webinar: What Stress and Diet Have in Common MINESblog: New to TW? Check out our past Blogs! The Art of Resolutions National Alzheimer’s Awareness Update Important Links COVID19 Resource Page Visit our BLOG MINES and Associates Current Training Catalog Balanced Living Magazine LinkedIn MINES Archives Contact Us Email MINES
		MINES does not warrant the materials (Audio, Video, Text, Applications, or any other form of media or links) included in this communication have any connection to MINES & Associates, nor does MINES seek to endorse any entity by including these materials in this communication.  MINES accepts no liability for the consequences of any actions taken on the basis of the information provided herein, nor any additional content that may be made available through any third-party site. We found them helpful, and hope you do too!

The post TotalWellbeing: January 2021 appeared first on MINES and Associates.

This time of year everyone is thinking of personal Resolutions or writing about making resolutions. How do you choose what is the best resolution for you? And how do you make sure you follow through with whatever resolution you decide on? And with 2021 starting off amidst COVID, how do you achieve your goals and/or resolutions?

There are many ways that you can look for, and choose, your yearly resolutions and I think there is merit to each way.

SMART Goals

First, you can set a SMART goal that is specific, measurable, achievable, timely. By having a SMART goal, you are able to track and document your success and you can see where you are struggling. You can also adjust or fine-tune your goal in this model as you need to since you have 5 points of adjustability. What may start as an achievable goal in January may not be achievable in the same way in September. It is a good idea to have a couple of options planned out on how to achieve this goal so you can continue doing it no matter what happens in your life. For example, if you want to lose 30 pounds, maybe you can plan to work out either by finding ways to do so at home or by changing your diet vs. relying on the gym as how you are going to achieve it. It is important to review this model often and adjust so you will be successful.

Wellbeing Focused Goals

Secondly, you can choose resolutions around one aspect of wellbeing for the whole year or one each month. This means you could make a resolution for the whole year to focus on your financial wellbeing or you could address one of the eight dimensions of wellbeing each month so you have a well-rounded improvement of your wellbeing. Our monthly newsletter works well for reference for those who want to do one per month. You can also look at how different areas of your wellbeing affects each other, like how your physical wellbeing affects your occupational wellbeing. Just remember to take into consideration that you need to be flexible in how you might achieve each wellness goal. (Our wellness coaching services can help with that too!)

Child-forward Goals

Thirdly, it is important to remember that whatever resolution or goal you come up with, it is essential for it to be beneficial or enjoyable for you so that you want to stick with it. Whether it is a way for you to smile more, connect to others, create something from nothing, or explore a new activity, resolutions only work when you like what you are getting out of them. So, as you design how you will achieve the goal or what your goal will be, keep this in mind. There are great webinars, trainings, and websites on common goals/resolutions and fun ways to tackle them. For example, if you want to walk more, find a beautiful area that is near you but you haven’t been to before and walk there. Or if you want to achieve financial balance, maybe consider downloading a game that is about money to help you think how you might best spend fictional money. Whatever you do, just remember that your resolutions and/or goals, should be something you want to achieve, and you will find the journey enjoyable.

Center Your Focus

Whether you choose to label your goals as resolutions or not, and whatever you choose to pursue in 2021, do so with your whole heart, stay focused, let others know your goals and resolutions so they can support you, and remind yourself that there will be ups and downs. Don’t be too hard on yourself when you fail. Be accepting of what changes need to happen so that you are able to accomplish your goals even if it isn’t too the extent you originally wanted. Focus on what really matters and the rest will fall into place.

MINES is proud to offer wellness training, coaches, and comprehensive wellness tools to help you and your household members reach their wellbeing goals. Feel free to outreach us if you would like a boost to your mental wellbeing or any of the other 8 wellness areas. Call us at 1-800-873-7138 to see how we can help you achieve your goals and resolutions.

To your wellbeing!

Raena

The MINES Team

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	Plan for the Perfect Year
“The New Year stands before us, like a chapter in a book, ready to be written.” – Melody Beattie Hello! Welcome to the January 2020 edition of TotalWellbeing, your guide to the 8 dimensions of wellbeing. This month we are looking to help you get 2020 started on the right foot. We know, New Year’s resolutions can be a little cliché, and are often forgotten about as the year goes on, but this isn’t just about the New Year, it’s about a new you and learning how to build great new habits while breaking bad old habits. Wellbeing shouldn’t be something that you only think about once a year, it’s a lifelong drive to be well and happy. To get you started, or to help you keep going strong, use the resources like these helpful articles or this free webinar, to start 2020 with a bang! Remember you can always catch past issues of TotalWellbeing on our newsletters page. This newsletter is aimed at providing helpful information about various aspects of your wellbeing and then connecting it all back to important and relevant parts of everyday life. If you have any thoughts, questions, or content you would like to see covered here please get in contact with us. You can email us directly by clicking here. To your total wellbeing, The MINES Team Happiness as a Choice Are you a person who can act on tough questions? Questions like: What am I grateful for? What choices do I have? What actions can I take to improve my life? What are my primary strengths? How can I live a more balanced life? People who can act on these questions likely also describe themselves as happy. “Happiness is neither a mood nor an emotion. Mood is a biochemical condition, and emotions are transitory feelings,” says Dan Baker, Ph.D., director of the Life Enhancement Program at Canyon Ranch in Tucson, Ariz., and author of What Happy People Know. “Happiness is a way of life, an overriding outlook composed of qualities like love, optimism, courage, and a sense of freedom. It’s not something that changes every time your situation changes.” Check out this article for a complete look at skills to master your own happiness including: appreciation, choice, personal power, leading with your strengths, and more. Remember that if you or a household member are looking to set goals and enhance your wellbeing and happiness, we can help. Your EAP comes with 4 free telephonic wellness coaching sessions per year to help you achieve your goals. Please call us at 1-800-873-7138 to get connected right away. Also, PersonalAdvantage has a ton of great resources and FREE webinars this month to help you focus on your wellbeing while also being productive at work and home.
Seven Ways to Beat the Burnout Blues You may be experiencing burnout if you feel bored, fatigued, apathetic, impatient, and constantly irritated with your co-workers. Don’t panic, there’s hope. Some of the secrets to long-term job happiness are revealed in the 7 tips below: Change positions within your company — See how your skills can be applied in new ways within your company and seek out new opportunities to contribute. Find like-minded people — Finding people with a similar sense of humor, interests, and experience as you can help you see things in new ways and find fresh ideas that work with your lifestyle. Seek out short-term projects — Short-term projects can be a great way to explore new things and work with new people. Kind of like a test-drive for new hobbies you may like to take a deeper dive into. Get more education — Nothing like fresh skills and new knowledge to open new doors. Keep on learning — Stop. Learning. The more you learn, the more exposure you have to opportunities in the world you may have never even knew existed. Have pride in your job — Doing your job the best you can and having pride in your contribution can help you enjoy your job, endure rough patches, and beat burnout even in the worst of times. Don’t wait — If you start to experience burnout, don’t wait until it affects your work and you start looking for a new job. Instead, try making positive changes in your present job. Talk to your supervisor and discuss changes that could reenergize you! Check out this article for a full breakdown of these 7 tips. Remember that if you or a household member are experiencing burnout and want to talk to someone about it, we are here to listen. Please call us at 1-800-873-7138 to get connected right away. Also, PersonalAdvantage has a ton of great resources and FREE webinars this month to help you focus on your wellbeing while also being productive at work and home.
Question of the Month Did you set any goals last year for 2019? If so, how did you do? What went right and what didn’t go so well and why? What can you do this year to make 2020 a successful year for yourself?
Supporting Your Intellectual Wellbeing Resolutions aside, the New Year is a very convenient time to start something new. What not make it something that is going to strengthen your mind, let you learn new things, and bolster your overall intellectual wellbeing? While there are tons of stuff you could do that would fit this mold, here are a couple suggestions to get you started thinking about what fits your interests, goals, and lifestyle. Brain games – Challenge yourself. Memory, puzzle, and brain teaser games can help you learn to look at problems from a different angle and improve your logical thinking patterns. Dancing or martial arts – Complex movement patterns. Anything that requires complex movements and pattern memorization can help create new pathways in your brain and help both hand-eye coordination and memory. Study a new language – The cognitive processes involved in learning a new language, as well as the act of translating one language into another, requires your brain to create new ways of communication across hemispheres. This not only helps cognition but can help prevent or slow the onset of dementia related symptoms and diseases. Brain support – Sleep, eat well, lay off the substances. What ever you decide to do to stimulate and develop your intellectual wellbeing, it’s critical to give your brain what it needs to thrive. Good sleep, and plenty of brain supporting nutrients like vitamin K, omega-3 fatty acids, protein, and beta carotene to name a few, are a great way to support your cognitive functions. It’s also important to not fill your brain with the bad stuff too. So make sure to avoid overloading yourself with sugar and highly processed foods, and limit or avoid alcohol and certain drugs as well. For more resources on supporting your intellectual wellbeing, log in to PersonalAdvantage today.
If you or a member of your household needs assistance or guidance on any of these wellbeing topics, please call MINES & Associates, your EAP, today for free, confidential, 24/7 assistance at 800.873.7138.
This Month’s Focus Free Webinar: Mindful Meal Planning MINESblog: New to TW? Check out our past Blogs! Workplace Goals for the New Year Important Links Visit our BLOG MINES and Associates Current Training Catalog Balanced Living Magazine LinkedIn MINES Archives Contact Us Email MINES
		MINES does not warrant the materials (Audio, Video, Text, Applications, or any other form of media or links) included in this communication have any connection to MINES & Associates, nor does MINES seek to endorse any entity by including these materials in this communication.  MINES accepts no liability for the consequences of any actions taken on the basis of the information provided herein, nor any additional content that may be made available through any third-party site. We found them helpful, and hope you do too!

The post Total Wellbeing: January 2020 appeared first on MINES and Associates.

This is the time of year when many people resolve to turn over a “new leaf” and make important changes in their lives.  For a lot of us, that includes changing the way we manage our money.  With the over-spending that tends to occur around the holidays, it’s easy to decide to make a budget – but the hard part is sticking to it.  Below are some online tools to help you do just that.

www.mint.com

www.kiplinger.com/tools/budget

www.mvelopes.com

www.budgettracker.com

If you feel like you would benefit from more personalized help getting started, you may consider checking with the Better Business Bureau (www.bbb.org ) for accredited financial consultants in your area.

Happy New Year!

~The HealthPsych Team

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