New year’s resolutions for your financial health

With all the holiday preparations, you might not have had time to think about your end-of-the year finances. That’s OK, because financial folks have come up with some tips that aim to make you more healthy, wealthy and wise in the new year.

With stock market gains in the 25 percent to 30 percent range in 2013, perhaps the most important thing investors can do is rebalance their portfolios, advisers say.

Since the bond market has been flat — with some bond funds showing a loss of 3 percent to 5 percent over the year — swap out those funds to offset…