Think Smart While You Make Your Investments!
# Evaluate your insurance coverage
Yearend is a great time to review each of your insurance policies. 
You should consider the type and amount of each insurance policy, and think about whether or not it still makes sense for you.
For example, you may need more or less insurance if you have gone through any major life events, including moving, getting married and getting a new job. Once you determine the right level of insurance, it’s a good idea to compare insurance policies by getting free insurance quotes.
# Rebalance your portfolio
With the tremendous gains in the stock market so far this year, your portfolio might be overly allocated to equities if you haven’t rebalanced lately. The problem with letting your equity allocation just run with the market is that you may be taking more risk than you had intended or more than is appropriate for your situation.
Rebalance with a total portfolio view. Use tax-deferred accounts such as IRAs and 401(k) s to your best advantage. Donating appreciated investments to charity can help. You can also use new money to shore up under allocated portions of your portfolio to reduce the need to sell winners.
