When you work with people and their finances you begin to see some common threads. Especially if you have the perspective of time on your side. One thing I've noticed is that very few people, even people who are pretty sharp, have taken the time to determine where they are most financially vulnerable...

The other day I saw an interesting t-shirt at the Y. A simple message. "Professional Role Model." A young mother was wearing it. And, I believe that she was exactly right. She is a role model for the two youngsters that were following her. That's also true in financial affairs. Even if...