Before You Read The Rest Of This Issue ...

By Nick Summers and Karen Weise

... and before you even think about your next transaction, a reminder of the fundamentals. Such as making sure you spend less than you earn. And saving for your retirement before putting money in your kid’s college fund. “It’s painful to be looking at financial resources, because often what you are talking about are constraints,” says planner Milo Benningfield. So take a deep breath and answer honestly.

Your guides

Milo Benningfield

San Francisco-based financial planner

Eleanor Blayney

Consumer advocate for the Certified Financial Planner Board of Standards

Tim Steffen

Director of financial planning and wealth management at Robert W. Baird

Maria Bruno

Senior investment analyst at Vanguard Group

Meir Statman

Finance professor at Santa Clara University

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