This complimentary digital edition of NEW JERSEY BUSINESS magazine is brought to you by BioNJ.

An important part of the American Dream is to build a financial nest egg that not only will provide financial security for one’s golden years, but, if the cards are played right, create wealth that can be enjoyed throughout one’s entire life. The January issue presents four articles that educate readers on retirement planning, short-term investing, saving for college and investing in real estate.

In this issue, we also present the complete findings of the New Jersey Business & Industry Association’s 55th Annual Business Outlook Survey. With business sales, profits and hiring on the upswing, this year’s survey results are the most positive in years. Please turn to page 36 for the complete article.