Charlie Beljan

It's tough to call a top-100 finish a disappointing year, but when you miss 3/4s of your cuts, how else can you describe it? Beljan's entire season was made when he finished runner-up at the Northern Trust Open in February. It's hard to get behind a guy who was so inconsistent last season and as such, it would be wise to pass on him in all formats until he can show some consistency.

Some no doubt thought it crazy that a golfer taken to the hospital for chest pains after his Friday round would decide it was a good idea to return and play the next day. Those people, however, don't understand what it means to get your PGA TOUR card. Beljan understood fully, and even though his health was at risk – turned out he suffered a panic attack – he knew opportunities like the one in front of him only came along so often. Beljan took full advantage at the Children's Miracle Hospital Classic in November, not only securing his card for 2013, but also capturing the win, which means it's two years free and clear on the PGA TOUR. Although his performance was gutty that weekend, his play leading up to that week was pretty bad, which makes him a poor choice for salary cap leagues. In draft leagues, he should in the 10th round or later.

Credit Beljan, he knows how to win. Unfortunately, his wins have come on the Gateway Tour. Winning doesn't come easy to everyone, and the fact that he's closed out professional events on several occasions is a good sign. That said, this is whole different ball game and much like many of his classmates, Beljan likely will struggle to make the adjustment to the PGA Tour.