Managing personal finances today is more complicated, time consuming, and more important than ever. We are living longer, but saving proportionately less. We feel less secure in our jobs, homes, and overall outlooks than previous generations did. We watch, helplessly, as our money evaporates due to exorbitant costs of housing, taxes, education, health care and life’s too many “unexpecteds.” Many people worry about the future, or unfortunately in many cases, they simply try not to think about it. Until “it” happens – a financial catastrophe that could have been avoided by some advanced planning.