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The article offers steps to prepare one's future, maintain one's standard of living, and get retirement back on track. Some of the tips for millennials include investing early, creating a financial plan, and getting a financial adviser. Topics discussed include what retirement means for millennials, ways to embark on an encore career, and the statistics of what is coined as the sandwich generation, adults in their 40s and 50s who have a parent 65 or older and are financially supporting a child.

The article offers tips on how women can negotiate on her own behalf or assert herself financially and tap her inner alpha female to meet the challenges head-on. It points out that one should first remove the emotion and any personal words to become a woman who makes sure that she gets what she wants. It suggests for women do their homework and come into the situation prepared and educated. It recommends demanding to be included in meetings with financial planners and ask questions.

The article discusses how certified financial planner Alfred McIntosh helped three generations of the Wynne-Allen family worked together to create a financial legacy in the U.S. The Allens started working with McIntosh to organize their finances, after which they introduced their son to the planner for advice on preparing for his own financial future. According to the author, the Wynnes signed up for the fee-only services of McIntosh based on a referral. Differences between the Wynnes and the Allens on how they handled their finances are discussed.

The article emphasizes the appropriateness of stabilizing one's portfolio and converting money into bonds, real estate and gold in 2008. Based on the article, 2008 is the perfect time to perform an annual portfolio checkup to determine if any adjustments should be made. Newlyweds Lisa and Terence Dillard are working with a financial planner to build their individual retirement accounts. David Braverman of Standard & Poor's says investors know that allocation of assets outside of stocks is as important a strategy as putting money into equity markets.

The article provides guidance on choosing a financial planner. It offers information on the ways professional advisers operate as well as how much they are paid to doing their job. The author presents six questions to ask before choosing a planner or an adviser. She also outlines the do's and don'ts of choosing a planner.

The article presents the financial plan developed by Gwendolyn V. Kirkland, a certified financial planner with Kirkland, Turnbo & Associates, for Tyvi Small, a 31-year-old single man from Knoxville, Tennessee, who has a newly purchased home, a fulfilling job, and no credit card debt. It provides a background of Small's personal finance. Kirkland advises Small to develop a budget for him to see exactly how much he is spending. Kirkland also emphasizes the need for Small to cut out extra spending and increase his savings.

The article presents the advice given by certified financial planner Pierre Dunagan of the Dunagan Group to the Knox family, a blended family of six children ranging in age from 4 to 20 years old, headed by Marcel and his wife, Judith. Dunagan emphasizes the importance of preparing or saving for retirement. It details how the Knox family can step up the timetable for home purchase. Dunagan also stresses that the Knoxes should each purchase term life insurance for at least $500,000.

The article explores the strategy used by the McCoys to manage their finances. Hoover McCoy, a retired Air Force soldier, and his wife Kathy earn about $120,000 together. In terms of managing his finances, Hoover says that despite his nominal Air Force salary, tax savings were significant due to various tax-exempt allowances for military staff. To avoid committing financial mistakes, the couple sought the help of Kathleen Williams, president of Williams Financial Services Group. A list of the ways to manage one's own finances is presented.

The article discusses financial planning for retirees. Leslie Henderson has been as a police officer for the Houston Police Department for 20 years. She needs to prepare her finances first before retiring from her job. She bought herself a house as an investment aside from her compensation plan and her car. To give her a better financial status in the future, she hired Jocelyn Wright, a certified financial planner. Wright will give her advice on what, when and where to invest.

The article discusses debt management. Kenneth and Valerie Robinson are struggling to pay their debt worth $50,000 from credit cards, auto loans and a mortgage. The annual interest of their debt is 12.75%. They sought the help of a financial planner. It took them 3 years to turn around their debt and end up having $8,000 in savings. The Robinson's used Intuit's Quicken financial software to keep track of their bills and discretionary spending.

The article offers advice for married couples on committing to a retirement planning and investing program. It is important for couples to have mutual goals in investing. Financial advisers can provide professional and outside perspectives to married couples. To accomplish financial goals, couples should look for opportunities to use their money. INSET: To commit to a program of retirement planning and investing.

Deals with the financial planning strategies adopted by African American couple Rafael and Janice Richardson of Montgomery, Alabama. Recommendations from financial adviser Cheryl Creuzot; Benefits from application for grants and scholarships; Maintenance of cash reserves; Retirement goals.

The article offers tips on how to get one's finances under control. It presents a checklist for regaining control of one's debt. It advises people to keep tabs on utilization and to stay in contact with lenders. It stresses the need to pay off high-interest debt and to use cash whenever possible. It also recommends seeking help from a certified financial planner.

This article offers tips that can help investors screen their financial advisers and avoid being victims of scams. It explains that high returns almost always means high risk. Investors should not mistake a smart appearance, smooth sales pitch or flawless manners for integrity. Before hiring an adviser, ask what licenses he or she has and double-check that information with the Financial Industry Regulatory Authority's broker database at www.finra.org/brokercheck. Investors should monitor your investments and ask probing questions.

The article addresses the problem of using retirement savings, increasingly practiced by many. According to the Vanguard Group, hardship withdrawals from its defined contribution plans have risen in recent years. But financial planners argue every option should be tried before retirement funds are used because of penalties and taxes.

The author offers pieces of advice on becoming a financial adviser. He notes that one key credential an aspiring financial adviser will want is to become a certified financial planner. On a more advanced level, there are additional examinations administered by the National Association of Securities Dealers that can qualify one to handle securities transactions. With respect to on-the-job training, at least two major firms have structured programs--Edward Jones Investments and Ameriprise Financial.

The article offers tips from Maryland attorney general's office commissioner Melanie Senter Lubin on how to determine a deceptive financial adviser. A financial adviser executes the investment plans. An adviser trades investments and track portfolio and finances. A deceptive financial adviser promises unrealistic above-market rate of return. He says that the investment is guaranteed and cannot result to loss for the investor. He also says that the investor should have faith in the promoter.