Develop a spending plan with personal budgeting and savings for big ticket items like 
college and first time home purchases without the sticker shock some people experience
when they investigate the costs.

Retirement planning options explored -- 403(b), TSAs, Individual Retirement Accounts,
SEPS designed for small businesses, and SIMPLE plans and non-qualified annuities.

If working forever (or until you die) is not your plan, please contact me to start a 
ROTH IRA.

Doing nothing may cost you more than lost retirement dollars if you are looking at 
financial aid for college.

Links:

http://cybresllc.com/favorites/personal.htm    Personal Finance

http://www.anneromanocpa.com
Anne Romano, CPA
Areas of expertise include tax planning and preparation, business startups,
financial accounting, and personal financial planning.

Bargain Financial Advice.
A Consumer Reports article.


Sound financial planning includes planning for the worst
while hoping it never happens.
Explore resources for financial aid during serious illness:

https://www.pparx.org/Intro.php
Partnership for Prescription Assistance.

http://www.copays.org/
Patient Advocate Foundation Co-Pay Relief Program.

http://www.rxassist.org/
RxAssist, a Directory of Patient Assistance Programs.

http://www.rxoutreach.com/
Rx Outreach Patient Assistance Program.