Not one of us or our clients was unaffected by the precipitous fall in the markets and the economic malaise permeating the world. Savings, home values, retirement funds and incomes were all hurt. Fortunately, 2009 brings us a new U.S. president, new Congress and new hope for recovery, growth — and opportunities. With valuations low, there are new opportunities for smart investing and wealth transfer planning.
Of course, 2009 also brings new risks. Market volatility remains historicall