Paul Westbrook, CFP, is President of Westbrook Financial Advisers, a fee-only financial and retirement planning firm in New Brunswick, New Jersey. Paul has spoken at financial planning and benefits conferences and has been quoted in "Money "magazine, "Fortune, The Wall Street Journal, " and "Barron s. "He also teaches at the business school at Rutgers University. Paul has written several books: "Word Smart for Business, Math Smart" "for Business, "and "Business Companion. "He also wrote JK Lasser s "New Rules forRetirement and Tax."