RUSSELL WILD, MBA, financial planner, and SUSAN ELLIS WILD, JD, litigation attorney, have the professional and personal expertise to write this book. Married for 22 years and the parents of two children, they are now amicably divorced. Russell is the principal of Global Portfolios, a fee-only financial planning firm in Allentown, Pennsylvania. He has also authored or co-authored nearly two dozen nonfiction books, writes regularly about financial issues for national consumer magazines as well as financial trade journals, and has appeared on Oprah, The View, and other popular programs. Susan is an honors graduate of George Washington University Law School and has practiced law for 24 years. She has frequently been appointed by the courts to serve as an independent arbitrator/mediator of cases.