Jerry A. Miccolis, CFA, CFP, FCAS, MAAA, is a financial
advisor, widely quoted financial author, and expert commentator who
has appeared on CBS Radio and ABC-TV.
Dorianne R. Perrucci is a freelance writer who has been
published in The New York Times, Newsweek, and
TheStreet.com, and has collaborated on several investing
books, including I.O.U.S.A., One Nation, Under Stress, In
Debt (Wiley, 2008).