Improve your financial health with these financial resolutions:

1. Diversify with non-traditional and non-Wall Street investments.  For example real real estate.
2. Lower your ETF (and mutual fund) expense ratios.  The ETF revolution is constantly competing for your money with an expense-ratio war.  For instance, consider VEA vs EFA.
3. Consider employing a buy-write strategy, either on your own, or via an ETF such as PBP as a modest part of your investing strategy.
4. Improve your investment tax savvy. Know your ETF and mutual fund distribution dates, and consider selling before them (if you are going to sell any way).  Use option-strategies to lock in short-term gains until they become long-term capital gains.  Use tax-deferred accounts for high-tax investments (like junk bonds).
5. Re-balance and re-align with your long-term investment allocation strategy.