E d Sonshine is really, really, really excited about 2010. RioCan REIT’s REI.UN-T chief executive officer fidgets constantly as he tries to rein in his enthusiasm – one minute wrapping his hands in elastic bands, another waving a sharpened pencil in the air – before taking a breath and trying to calm down for a few moments. “Of course, it doesn’t have to be that way,” he says, suddenly cheering as RioCan’s units scroll by on the television opposite his desk.

I f you’d like to get your own anonymous Financial Facelift contact financialfacelift@globeandmail.com Matthew has a problem that besets many single, well-paid people – he makes a good living but the money just seems to slip through his fingers. He knows he has to do something because he’s 49 and hoping to retire in about 14 years. Exacerbating his retirement concerns is the fact he started his civil service job only eight years ago, so his pension when he is 63 will be a relatively modest $35,000 a year

M onday, Jan. 4 The U.S. Department of Commerce reports on construction spending for November

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J . Douglas McLarty, 56 Occupation : Managing Director of McLarty & Co., a public accounting firm in Ottawa Portfolio : A variety of income-producing securities, notably dividend-paying common stocks (TransCanada Corp., Bank of Nova Scotia and others), income trusts (Inter Pipeline Fund, Bonavista Energy Trust and others), corporate bonds and preferred shares; for diversification, country-specific exchange-traded funds (iShares FTSE/Xinhua China 25 Index Fund, iShares S&P Latin America 40 Index Fund and others) Investment path :“Like many investors I made a number of mistakes when I started because I thought I was smarter and in the know,” Mr. McLarty says.

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