What a year!!!  I have never experienced so many tax and regulation changes since my first tax season in 1971 (yes, I am that old).  The interesting thing for 2010 is that most people are past being frozen and panicked and are ready to deal with the changes they are being forced to make.  A lot of them are OK with simplifying their lives and selling assets at much lower prices to pay down debt.  A lot of us will be working into our 70's to build up that retirement again. And people are finally realizing they need to take responsibility for knowing their own financial position and tracking it.  That is good news for people like me who really would like to help clients through these difficult times, but need them to be ready for change.

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