B. O'Neill Wyss is president of St. Louis-based Creative Asset Management and a certified financial planner with more than 25 years of experience. He teaches finance and investing at the University of Missouri - St. Louis and conducts investment seminars and retirement planning workshops around the country. Wyss has written investment articles for a number of publications, is the author of "Strategic Financial Planning for the 1990s", and is coauthor of "The ABCs of Managing Your Money".