NEVER TOO OLD FOR RESOLUTIONS: Retirees may find committing to annual financial resolutions even more beneficial than younger adults because of the strict limits of fixed incomes.

DEALING WITH DEBT: Paying off credit cards and other debt should be a top goal for retirees. With savings yields below 1 percent, they should consider using a chunk of savings to pay off high-interest cards.

DIVIDENDS' LURE: Income-starved retirees with their money socked away in CDs and money market accounts should look at U.S. blue chip stocks that pay dividends of 3 percent or more as an attractive and comparatively safe alternative.