“My husband spends a fortune on cars,” she says. “My wife never stops shopping. Look at these credit card bills,” he laments. Financial advisers often hear these complaints. What happens in many homes is two otherwise responsible adults who are both making good salaries have finances that are a wreck. They realize that, after years of marriage, they have little net worth and lots of debt.

“After age 45, many folks get serious about saving and investing as big-ticket items, such as retirement and tuition, loom ahead. But, as we live our busy lives, it can be tough to

“These truths for financial life planners form the foundation of their integrity. As financial life planners, we hold these truths to be the basis for everything we do: • All advice and recommendations

(MONEY Magazine) — “What’s the most I can pull from savings each year without running short of money later in life?” It’s the single most frequent question I get from retirees and near

“Choosing a financial professional-whether a stockbroker, a financial planner, or an investment adviser-is an important decision. Consider the tips below as you make your choice. Also the third page of this document has