They may find that adopting a financial planning practice is a good business move. It puts you in a better position to make recommendations.

We are putting our media planning and buying into review. It's part of our best-practice approach; we periodically review all of our agencies.

The longer one lives, the more dollars one will need to have saved. From a planning perspective, you need to prepare for the best -- not the worst. Americans need to manage through retirement -- not to retirement.

A plan is not putting you in a box and forcing you to stay there. A plan is a guide to keep you on course, efficient, and safe.

It's just a matter of economics for us. We have to operate as a business. Basically everything we're doing, we have to look at it cost effectively just as everybody else does nowadays.

Not only do we think the state would be liable, we think it would be a horrible business practice for the state to decide they would like to go back on promises made in contracts with private individuals.