Whether filing taxes or reviewing investments, a new year is the time to start preparing and making adjustments to personal finances.“New year’s goals — make it one of the resolutions,” Robin Grier said. “In some cases, it’s too late to do anything about 2010. But you want to make sure that it doesn’t happen again in 2011.”Grier, who runs Robin Grier Financial Services in Cumming, said while planning can take place throughout the year, January is a great time for residents to take inventory and “evaluate what they have.”“And if they don’t have a plan in place for retirement, they need to meet with somebody,” she said.