Lose weight. Volunteer more. Quit smoking. Get a better job.Drink less. Save more. Sound familiar? These are but a few of themost popular New Year's resolutions. And you know what's funnyabout them? They're almost always never carried out.

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Why? Because they are couched in terms of lifestyle change.That's a tall order for most people. How easy is it for you to giveup doing something you've done all your life? Every year millionsand millions of Americans look at the advent of a new year as theopportunity to fundamentally change their lives. But before thefirst robin of spring, those New Year's resolutions have evaporatedlike the winter snow into forgotten memories.

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Would you be interested if I told you there are severalsuggestions you could make to your clients that represent an easyway to actually complete the promise of their resolution? Folks cando them quickly. And they can do them immediately. Theseresolutions don't require a lifestyle change. They are“one-and-done” types of projects, meaning most people can completethem while they're still amped up from the whole New Year'sresolution thing.

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1. Don't save a cent

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Make a resolution to sit down and figure out what you need toretire in comfort. Unfortunately, the majority of Americans havenever come up with a retirement savings plan, even the ones who arealready saving for retirement. All you need to do is, sometime in2015, find out what your retirement goal is.

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2. Forget stock market

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Your goal here is to just “let it ride.” Don't worry yourselfabout those ups and downs you might see in the market. If themarket goes up incredibly high, do nothing. If the market crashesall of the sudden, do nothing. Remember when the market tanked in2009? By virtue or accident, the people who froze and didn't doanything are well ahead of where they were pre-recession. Thosepeople who panicked and sold might never catch up.

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3. Go on autopilot

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Many companies' retirement plans have one or two “auto”features—“auto-enrollment” and “auto-escalation.” They kickstartyour retirement savings program as soon as you're eligible to jointhe plan and keep pumping it up over the course of your career. Youdon't have to do anything. The company does it all for you. Theplan even invests for you. It's as easy as pie.

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4. Find the fees that matter

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There's the mistaken belief that paying “higher” fees is worsethan paying “lower” fees. To understand why this idea is dumb is tounderstand why we have the famous adage that says “You get what youpay for.” Find the bad fees. Over the course of a retirementsaver's lifetime, they can equate to hundreds of thousands ofdollars in lost savings.

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