It's a new year and year closer to retirement for many of us, so it's time to get our financial houses in order before it's too late. Personal resolutions are made to be broken, but not financial ones, the stakes are too great, so here goes.

Take a good hard look at your 401(K). If you've been cramming the account with company stock over the years it's time to change. Relying on your company for your salary and your future is too dangerous. Remember Enron?

Now I know many of you stuff company stock into your 401(K) because it's easier than trying to understand all the other choices you're given. But it's a bad way to go.

If you don't want to become financially literature in all the alternatives, then find a target maturity or life cycle fund in your plan and move your company stock to that. Either of these types of funds key to your age and projected retirement date and do the diversifying for you, becoming more conservative as you age.

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