About the Contributors

• W. Andrew Achenbaum, Ph.D., Professor of History and Social Work, University of Houston, Houston, TX
• Laura Addington, C.F.M., M.S.F.S., Addington Financial Group, Greenville, TX
• Michele C. Adler, M.P.H., Social Security Administration, Office of Disability and Income Security Programs, Office of Program Development and Research, Baltimore, MD
• Linda Albert, Ph.D. Candidate, University of South Florida, Department of Gerontology, Tampa, FL
• John Ameriks, Ph.D., TIAA-CREF Institute, New York, NY
• Carol Anderson, M.S., President, Money Quotient, Inc., Poulsbo, WA
• James A. Anderson, Ph.D., College of Weekend Studies, Jacksonville University, Jacksonville, FL
• Sia Arnason, Ph.D., Codirector, Samuel Sadin Institute on Law, Brookdale Center on Aging of Hunter College, City University of New York, New York, NY
• William Arnone, Partner, Emst & Young LLP, New York, NY
• Barry K. Baines, M.D., Medicare Medical Director, UCare Minnesota; Associate Medical Director, Hospice of the Twin Cities; CEO, The Legacy Center, Minneapolis, MN
• Victor S. Barocas, Managing Director, Strategic Management Group, LLC, Chicago, IL
• Thomas D. Begley, Jr., J.D., Begley & Bookbinder, PC, Morristown, NJ
• Hubert Bermont, Consultant on Career Consulting, Princess Anne, MD
• Leigh Bernstein, J.D., Fleming & Curti, Tucson, AZ
• Robert H. Binstock, Ph.D., Professor of Aging, Health, and Society, School of Medicine, Case Western Reserve University, Cleveland, OH
• Karen Brelsford, Adjunct Faculty, Financial Planning Division, Howard Community College, Columbia, MD
• Kenneth A. Bretthorst, Chairman, First St. Louis Securities, St. Louis, MO
• Clifton D. Bryant, Ph.D., Professor, Department of Sociology, Virginia Tech University, Blacksburg, VA
• Veronica M. Bukowski, C.P.B.A., C.P.V.A., Bukowski-Stanton Associates, New Hope, PA
• Jon E. Burkhardt, Senior Study Director, WESTAT, Rockville, MD
• Cathleen Bumett, Ph.D., Department of Sociology/Criminal Justice and Criminology, University of Missouri, Kansas City, MO
• Sean Cahill, Ph.D., Director, NGLTF Policy Institute, New York, NY
• John W. Callinan, J.D., Attorney-at-Law, Wall, NJ
• W. Donald Campbell, M.B.A., Consultant in Finance and Housing, Falls Church, VA
• Kathleen Carlisle, Vice President of Marketing/Public Relations, Tech Federal Credit Union, Roanoke, VA
• Andrew Carswell, Ph.D. Candidate, Visiting Assistant Professor, University of Georgia, Department of Housing and Consumer Economics, Athens, GA
• Pinar Cebi, Ph.D., Research Associate, American Council for Capital Formation, Washington, DC
• Susan M. Chambre, Ph.D., Professor of Sociology, Baruch College, City University of New York, New York, NY
• Hong-Bin Chen, M.D., Ph.D., Assistant Director, State Data Center on Aging, Florida Policy Exchange Center on Aging, University of South Florida, Tampa, FL
• Yung-Ping Chen, Ph.D., Frank J. Manning Eminent Scholar's Chair, Gerontology Institute, University of Massachusetts, Boston, MA
• Zhan (Sandy) Chen, M.S., Ph.D. Candidate, Associate Professor, Department of Consumer Sciences and Retailing, Purdue University, West Lafayette, IN
• Alfred J. Chiplin, Attorney-at-Law, National Senior Citizens Law Center, Washington, DC
• Rachel Christensen, M.P.H., Employee Benefit Research Institute, Washington, DC
• David L. Christopherson, Ph.D., C.LU., G.R., St. Cloud State University, St. Cloud, MN
• Elizabeth Clemmer, Ph.D., AARP Public Policy Institute, Washington, DC
• Christine Cody, R.N.C., M.S.N., Vice President, Professional Education/Innovation, National Hospice and Palliative Care Organization, Alexandria, VA
• John Collins, Ph.D., Professor of Religion, Wake Forest University, Winston-Salem, NC
• Francis P. Conner, A.C.S.W., L.M.S.W., Department of Sociology, West Georgia College, Carrollton, GA
• Fay Lomax Cook, Ph.D., Director, Institute for Policy Research, Professor of Human Development & Social Policy, Northwestern University, Evanston, IL
• Stephanie Cory, M.S.G., Research Assistant, University of Southern California, Andrus Gerontology Center, Los Angeles, CA
• Nancy J. Cox, M.S. W., Director, Partners in Caregiving, Department of Psychiatry & Behavioral Medicine, Wake Forest University School of Medicine, Winston-Salem, NC
• Stephen Crystal, Ph.D., Research Professor and Chair, Division on Aging, Institute for Health, Health Care Policy and Aging Research, Rutgers University, New Brunswick, NJ
• Neal E. Cutler, Ph.D., Boettner/Gregg Chair in Financial Gerontology, Widener University, Chester, PA
• Teri Daniel, President & Owner, InsideOut HR Solutions PLLC, Ashland, KY, and Instructor, College of Business, Marshall University, Huntington, WV
• Michele F. Davis, Associate Director of Education, TIAA-CREF Institute, New York, NY
• Sharon A. DeVaney, Ph.D., Associate Professor, Department of Consumer Sciences and Retailing, Purdue University, West Lafayette, IN
• Tracv Dietz, Ph.D., Department of Sociology & Anthropology, University of Central Florida, Orlando, FL
• Patricia E. Dilley, Professor, University of Florida, Levin College of Law, Gainesville, FL
• C.L. (Tim) Dimos, Attorney-at-Law, Middleburg, VA
• Andrew Quang Do, Ph.D., Professor of Finance, Department of Finance, College of Business Administration, San Diego State University, San Diego, CA
• Kenneth J. Doran, Attorney-at-Law, Doran Law Offices, Madison, Wl
• Karen Duggan, C.A., Canadian Institute of Chartered Accountants, Toronto, Ontario, Canada
• Michael E. Edleson, Ph.D., Senior Vice President and Chief Economist, NASDAQ, Rockville, MD
• Chip Eubank, C.F.P., Eubank Financial Group, Dallas, TX
• Ann E. Fade, R.N., J.D., Choice in Dying, Inc., New York, NY
• Mark Fagan, Ph.D., Department of Social Work, Jacksonville State University, Jacksonville, AL
• Ronald A. Fatoullah, Esq., Ronald Fatoullah & Associates, Great Neck, Forest Hills, and Brooklyn, NY
• Charles H. Fay, Ph.D., Professor of Human Resources, Chairman of HRM Department, School of Management and Labor Relations, Rutgers, The State University of New Jersey, Piscataway, NJ
• Lucy Rose Fischer, Ph.D., Independent Consultant, St. Louis Park, MN
• Paul Fronstin, Ph.D., Employee Benefit Research Institute, Washington, DC
• Heather J. Gibson, Ph.D., Associate Professor, Department of Recreation, Parks and Tourism, University of Florida, Gainesville, FL
• Stephen M. Golant, Ph.D., Department of Geography, University of Florida, Gainesville, FL
• Jordan E. Goodman, President, Amherst Enterprises, Ltd., and Proprietor, www.moneyanswers.com, Scarsdale, NY
• Roberta Gosier, Owner/Director, Help Unlimited, Inc., Silver Spring, MD
• Mathew Greenwald, Ph.D., Mathew Greenwald & Associates, Inc., Washington, DC
• Rebecca Gronvold-Hatch, Ph.D., Professor of Sociology, Mt. San Antonio College, Walnut, CA
• Sherman D. Hanna, Ph.D., Professor, Consumer and Textile Sciences Department, Ohio State University, Columbus, OH
• Sally Hass, Benefits Education Manager, Weyerhauser, Employee Benefits, Federal Way, WA
• Catherine Hawes, Ph.D., Program on Aging and Long-Term Care, Social and Health Policy Research Center, Research Triangle Institute, Research Triangle Park, NC
• Celia Ray Hayhoe, Ph.D.. C.F.P.R., Family Financial Management, Cooperative Extension Specialist, Virginia Tech, Blacksburg, VA
• Rona S. Henry, M.B.A., M.P.H., The Robert Wood Johnson Foundation, Princeton, NJ
• Jean M. Hogarth, Ph.D., Consumer & Community Affairs, Federal Reserve Board, Washington, DC
• Karen C. Holden, Ph.D., Professor of Public Affairs and Consumer Science, La Follette School of Public Affairs, University of Wisconsin, Madison, WI
• Andrew Holmes, Ph.D., Assistant Professor, Business Management Department, Brigham Young University, Provo, UT
• Harriet Howe. Ph.D., Visiting Assistant Professor of Sociology, University of North Florida, Jacksonville, FL
• Donald A. Hunsberger, Esq., The Law Offices of Donald A. Hunsberger, Orange, CA
• Kennes C. Huntley, C.L.U., Department of Finance, Insurance and Real Estate, Mankato State University, Mankato, MN
• Gail A. Jensen. Ph.D., Professor, Institute of Gerontology, Wayne State University, Detroit, Ml
• David R. Johanson, Esq., Johanson Berenson LLP, Attorneys & Counselors at Law, Napa, CA
• Marshall B. Kapp, J.D., M.P.H., Office of Geriatric Medicine & Gerontology, Wright State University School of Medicine, Dayton, OH
• Enid Kassner, M.S.W., Senior Policy Advisor, AARP Public Policy Institute, Washington, DC
• Mary Anne Keefer. B.A., M.A., Adjunct Professor, Lord Fairfax Community College, Middletown,VA
• T. Erie Keefer, President, Belair Inc., Huntley, VA
• Chris Kelly, Ph.D. Candidate, University of Southern California, Andrus Gerontology Center, Los Angeles, CA
• Marilyn C. Kennedy, M.P.A., Public Administration, University of Arizona, Tucson, AZ
• Eun-Jin Kirn, Ph.D. Candidate, Department of Consumer and Textile Sciences, Ohio State University, Columbus, OH
• Andrew S. Kochera, Senior Policy Advisor, AARP Public Policy Institute, Washington, DC
• James E. Konlande, D.C., Life Chiropractic College West, San Lorenzo, CA
• Janet L. Kuhn, Esq., Law Offices of Janet Kuhn, McLean, VA
• Kevin J. Lamiman, Associate Editor, Better Investing Magazine, National Association of Investors Corporation, Madison Heights, MI
• Thomas P. Langdon, J.D., Attorney-at-Law, Southington, CT
• Jinkook Lee, Ph.D., Professor, Department of Consumer and Textile Sciences, Ohio State University, Columbus, OH
• Jean D. LeMasurier, Deputy Director, Health Plan Benefits Group, Center for Beneficiary Services, Centers for Medicare and Medicaid Services, Baltimore, MD
• Walter Leutz, Ph.D., Associate Professor, Schneider Institute for Health Policy, Heller School, Brandeis University, Waltham, MA
• Phoebe Liebig, Ph.D., Associate Professor, University of Southern California Andrus Gerontology Center, Los Angeles, CA
• Jo Ann Linck, Accredited Financial Counselor, Russell Resources and Instructor, Financial Planning, Howard Community College, Columbia, MD
• Charles F. Longino, Jr., Ph.D., Reynolds Gerontology Program, Wake Forest University, Winston-Salem, NC
• Jamie Losikoff-Kent, Senior Research Associate, Institute for Socio-Financial Studies, Middleburg, VA
• E. Craig MacBean, Senior Research Fellow, Institute for Socio-Financial Studies, Middleburg, VA
• Ronald J. Manheimer, Ph.D., Executive Director, North Carolina Center for Creative Retirement, and Research Associate, Professor of Philosophy, University of North Carolina, Asheville, NC
• Robert D. Manning, Ph.D., Caroline Werner Gannett Professor of the Humanities, Rochester Institute of Technology, College of Liberal Arts, Rochester, NY
• Jerry J. McCoy, LL.B., Attorney-at-Law, Law Offices of Jerry J. McCoy, Washington, DC
• Christopher R. McDowell, Esq., Dinsmore & Shohl LLP, Cincinnati, OH
• V. Karen McMahon, President/Owner, Telecommute-Now, Warrenton, VA
• Mary Helen McSweeney, Ph.D., University of Scranton, Scranton, PA
• Stacey Meshnick, Esq., Ronald Fatoullah & Associates, Great Neck, Forest Hills, and Brooklyn, NY
• John N. Migliaccio, Ph.D., President, Maturity Mark Services Co., White Plains, NY, and American Institute of Financial Gerontology, Deerfield Beach, FL
• Steven S. Miner, Research Director, Ragatz Associates, Eugene, OR
• Scott A. Miskiel, M.S., Law Offices of Scott A. Miskiel, Cottonwood, AZ
• Karlyn Mitchell, Ph.D., College of Management, North Carolina State University, Raleigh, NC
• Harry R. Moody, Ph.D., Senior Associate, International Longevity Center USA, New York, NY
• Robert J. Morlock, Ph.D., Global Outcomes Research, Pfizer Pharmaceuticals Group, Ann Arbor, Ml
• Cyril Morong, Ph.D., Associate Professor of Economics, San Antonio College, San Antonio, TX
• Nancy Morrow-Howell, Ph.D., School of Social Work, Washington University, St. Louis, MO
• Phyllis H. Mutschler, Ph.D., Executive Director, National Center on Women and Aging, Heller School for Social Policy and Management, Brandeis University, Waltham, MA
• Robert J. Myers, LL.D., International Actuarial Consultant, Silver Spring, MD
• Rajesh Narayanan, M.B.A., Ph.D., Assistant Professor and Gardner Fellow of Finance, Department of Finance, Ohio University, Athens, OH
• Robert Newcomer, Ph.D., Professor, University of California, San Francisco, CA
• Brenda Watson Newmann, C.R.P.C., Financial Author/Writer and Chartered Retirement Planning Counselor, Half Moon Bay, CA
• Christy Nishita, Ph.D. Candidate, Research Assistant, Andrus Gerontology Center, University of Southern California, Los Angeles, CA
• John R. Nofsinger, Ph.D., Assistant Professor of Finance, Department of Finance, Insurance, and Real Estate, College of Business and Economics, Washington State University, Pullman, WA
• Barbara O'Neill, Ph.D., Interim Extension Specialist in Financial Resource Management, Rutgers Cooperative Extension, Newton, NJ
• Tonya M. Parrott, Ph.D., Professor of Sociology & Gerontology, Quinnipiac University, Hamden, CT
• Mars A. Peril, Ph.D., Fogelman College of Business and Economics, The University of Memphis, Memphis, TN
• Ronald Peterson, M.S., President/CEO, Three Arrows Capital Corp., Bethesda, MD
• Diane S. Piktialis, Ph.D., Work-Life Product Director, Ceridian, Boston, MA
• Stephen L. Poe, Ph.D., Department of Business and Finance Administration, University of North Texas, Denton, TX
• Nancy C. Porter, Ph.D.. C.F.C.S., Interim Department Chair for Family and Youth Development, Interim State Program Leader for Family and Consumer Sciences, Clemson, SC
• Janice K. Purk, Ph.D., State University of West Georgia, Department of Sociology, Anthropology, and Criminology, Carrollton, GA
• Jon Pynoos, Ph.D., Andrus Gerontology Center, University of Southern California, Los Angeles, CA
• Patricia Quigley, Ph.D., James A. Haley VA Hospital, Patient Safety Center, Tampa, FL
• Ganas K. Rakes, Ph.D., Finance Department, Ohio University, Athens, OH
• Sandra L. Reynolds, Ph.D., Associate Professor, Department of Gerontology, University of South Florida, College of Arts & Sciences, Tampa, FL
• Suzanne Reynolds-Scanlon, Ph.D. Candidate, Department of Gerontology, University of South Florida, College of Arts & Sciences, Tampa, FL
• Dorothy P. Rice, Sc.D. (Hon.), Professor Emeritus, University of California, San Francisco, CA
• Jihane K. Rohrbacker, Communications Director, National Association of Professional Geriatric Care Managers, Tucson, AZ
• Jeffrey I. Roth, MA, J.D., Professor of Law, Touro College Law Center, Huntington, NY
• Linda R. Rounds, Ph.D., School of Nursing, University of Texas Medical Branch, Galveston, TX
• N. Lee Rucker, M.S.P.H., National Council on Patient Information and Education (NCPIE), Bethesda, MD
• Thomas V. Rush, Ph.D., Social Security Administration, Office of Disability and Income Security Programs, Office of Program Development and Research, Baltimore, MD
• Debra S. Sacks, R.N., J.D., Senior Staff Attorney, Samuel Sadin Institute on Law, Brookdale Center on Aging of Hunter College, City University of New York, New York, NY
• Dallas L. Salisbury, M.P.A., A.B.D., Chief Staff Executive, Employee Benefit Research Institute, Washington, DC
• Ann Elizabeth Sammon, Senior Manager, Membership Section, American Institute of Certified Public Accountants, New York, NY
• Judith A. Sangl, Sc.D., Agency for HealthCare Research and Quality, Department of Health and Human Services, Rockville, MD
• Kathleen K. Scholl, Ph.D., Consumer Economics, General Accounting Office, Washington, DC
• Dennis G. Shea, Ph.D., Professor, Health Policy and Administration, Penn State University, University Park, PA
• Jurg K. Siegenthaler, Ph.D., Professor Emeritus, Department of Sociology, American University, Washington, DC
• Linda A. Siegenthaler, M.A., Consultant, Silver Spring, MD
• Michael A. Smyer, Ph.D., Dean & Associate Vice President for Research, Graduate School of Arts and Sciences, Boston College, Chestnut Hill, MA
• Ben J. Sopranzetti, Ph.D., Assistant Professor, Rutgers University, Department of Finance, Piscataway, NJ
• Richard H. Stanton, C.P.B.A., C.P.V.A., Bukowski-Stanton Associates, New Hope, PA
• Norman Stein, Ph.D., Visiting Professor, University of Maine School of Law, Portland, ME
• Catherine M. Sullivan, M.P.A., The Brookings Institution, Washington, DC
• Ralph B. Swisher, Ph.D., Department of Homeland Security, Washington, DC
• Kenn Tacchino, J.D., LL.M., Professor of Taxation and Financial Planning, Accounting, Law & Taxation Department, Widener University, Chester, PA
• Lynn Q. Taylor, Senior Policy Analyst, Institute for Health Policy Solutions, Washington, DC
• Margo Thorning, Ph.D., Senior Vice President and Chief Economist, American Council for Capital Formation, Washington, DC
• John H. Thornton, Ph.D., C.L.U., College of Business Administration, University of Texas, Denton, TX
• Paul Thrasher, C.P.A., Halt, Jackson and Thrasher, Alexandria, VA
• Sandra Timmermann. Ed.D., Director, Mature Market Institute, MetLife, Westport, CT
• David J. Tolan, J.D., C.L.U., Tolan Schueller, Inc., Milwaukee, WI
• Ronald Turner, J.D., George Butler Research Professor and Professor of Law, The University of Houston Law Center, Houston, TX
• Peter Uhlenberg, Ph.D., Department of Sociology, University of North Carolina, Chapel Hill, NC
• Jack L. VanDerhei, Ph.D., Department of Risk, Insurance, and Healthcare Management, The Fox School of Business and Management, Temple University, Philadelphia, PA
• Valentine M. Villa, Ph.D., Adjunct Assistant Professor, UCLA Public Health-Community Health Sciences, Los Angeles, CA
• Lois A. Vitt, Ph.D., Director and Founder, Institute for Socio-Financial Studies, Middleburg, VA
• Anne S. Welch, M.A., Program in Human Development and Social Policy, School of Education and Social Policy, Northwestern University, Evanston, IL
• Paul Westbrook, C.F.P., Westbrook Financial Advisers, Westfield, NJ
• Robert Whaples, Ph.D., Department of Economics, Wake Forest University, Winston-Salem, NC
• Monika White, President/CEO, Center for Healthy Aging, Santa Monica, CA
• Joshua M. Wiener, Ph.D., The Urban Institute, Washington, DC
• Steven Wilber, Ph.D., Research Associate, American Council for Capital Formation, Washington, DC
• Bradley R. Williams, PharmD, Associate Professor, University of Southern California School of Pharmacy and Andrus Gerontology Center, Los Angeles, CA
• Flora Williams, Ph.D., Consumer and Family Sciences, Purdue University, Lafayette, IN
• David P. Willis, M.P.H., National Institute on Aging, Bethesda, MD
• Louisa Woodville, M.A., M.B.A., Intersections Inc., Chantilly, VA
• David L. Wray, President, Profit Sharing/401K Council of America, Chicago, IL
• Bernadette Wright, Ph.D., Policy Research Analyst, AARP Public Policy Institute, Washington,DC
• James D. Wright, Ph.D., Department of Sociology & Anthropology, University of Central Florida,Orlando, FL
• Rui Yao, Ph.D., Assistant Professor, South Dakota State University, Brookings, SD
• Sarah Zapolsky, M.S., Senior Research Advisor, Knowledge Management/Membership Group, AARP, Washington, DC