Whichever route you choose you need to do your homework carefully and make sure that you are making your money work as well as it can for you, in as tax-efficient a way as possible.
Your employees will also choose, with those who want to be at a place to make a difference rather than make a paycheck leaving for other employers of choice.
When setting your goals for the New Year, make a list of all you want to accomplish in 2013, then choose to focus on one goal that will either have the greatest impact on your finances, is easy to accomplish, or simply is the one with the greatest chance of success.