Frank Armstrong, III, CLU, CFP™, AIF, is the founder and principal of Investor Solutions, Inc., a fee-only registered investment advisor. He has more than 30 years’ experience in securities and financial services. His bestseller The Informed Investor was cited by BusinessWeek as one of the year’s best investment books. Twice named by Barron’s as one of the top 100 independent financial advisors, he was a featured columnist on Morningstar.com and contributes frequently to AccountsWorld.com and FundsInteractive.com. He has appeared on CNN Headline News, Your Money with Stewart Varney, PBS Morning Business Report, CNBC, Money Life with Chuck Jaffee, and many public radio stations. Paul B. Brown is a long-time contributor to The New York Times and coauthor of the bestselling retirement guide Grow Rich Slowly. He is financial expert for ThirdAge.com, the popular website devoted to the concerns of people over 40. He has served as writer and editor for BusinessWeek, Forbes, and Inc.