A goal without a plan is just a wish

Happy Holidays! What do you focus on to reach your goals?

What are your annual goals?

Are they financial, personal or family-related? Maybe you want to be a better manager? Or you want to take up an instrument and become the next Mozart? Maybe you want to finally get in shape after letting yourself go this year?

Whatever it is, before choosing a goal for your New Year's Resolution , it would be wise to set out a…