Mike Ryan,CFP^® has been a practicing financial planner and investment advisor for twenty-five years. He is the author of many articles on financial topics and Asset Allocation for CCH Financial Planning online reference series. In 1987 he was named one of America’s Best Financial Planners by Money Magazine.

Terri Lilya Keanely is a consultant/counselor with over forty years of experience  She is the author of A Balanced Path to Mastery and Enlightenment and has created the Heaven and Earth Collection, a series of visionary photos.