Yep, it’s January. That time of year when people really try their hardest to change their bad habits or form completely new, good ones. Many times, neither stick. Exactly one year ago, I decided my New Year’s resolutions would be to lose weight (how original) and to send a birthday card and small stipend to each of my 10 nieces and nephews. I’m still working on the consistent exercise thing, but have proven successful in the card sending arena. Sure, I still have to reference the “birthday list” to remember each date, but I managed to send all 10 birthday cards last year, albeit some were of the belated kind. I will continue to do this until I can no longer physically write — hopefully a long, long time from now. That’s one resolution kept.

Some of you will make a resolutions list and find some aspirations will be more easily attainable than others. I’d like to have “eat more pizza” on my list, but that’s not how it works, unfortunately. You may have “generate more leads” or “volunteer more of my time” on yours, both being noble goals.

In the life and health insurance industries, it’s not always easy to predict what the future may bring and which resolutions are needed most. All we can do is prepare as best as possible. And that’s where this publication comes in.

As agents or brokers, you’ll find analysis and predictions within this issue that may help you meet some of your more business-oriented resolutions for this year. From annuities to strategic giving to the health insurance marketplace to social selling and interest rates, this year’s inaugural issue is aimed at helping insurance industry pros navigate the landscape ahead.

But of course, resolutions are notoriously tough to stick with; many of them are abandoned before February. It takes guts and willpower and — when we’re talking business resolutions — continuously reminding yourself that you’re helping your clients have a better life, whether through retirement and estate planning, health insurance needs, or investments in annuities or life insurance.

As Abraham Lincoln once wrote, “Always bear in mind that your own resolution to succeed is more important than any other.” You could take this to mean succeed-ing in your business ventures, in your relationships, in your faith, in your health, etc., etc. You craft your own definition of “success.” And know that each day you rise presents a new opportunity for ideas and progress, whether in the office or at home.

Let us not waste each day we have. Here’s to a successful 2015, however you chose to define it.