BAMBI HOLZER, Senior Vice President--Investments with A.G. Edwards & Sons, Inc., is a nationally recognized investment executive and retirement planning consultant. She is the author of two books on retirement planning, Retire Rich: The Baby Boomer's Guide to a Secure Future and Set for Life: Financial Peace for People Over 50, both published by Wiley. Ms. Holzer has appeared on the Today show, NBC Nightly News with Tom Brokaw, Fox on Money, CNN, CNBC, and many local television and radio shows across the country. Elaine Floyd, CFP, is a former financial advisor and writer who specializes i...