As you plan for the future, you'd best make this book your bible if you don't want to spend the latter years of your life toothless and frail, eating cat food from the can with your cable TV cut-off indefinitely. People over 65 years old constitute the fastest growing segment of the American population. Today, there are 35 million Americans over 65. By 2011, as the first baby boomers turn 65, 42 million people will be senior citizens. And by 2030, it is estimated that nearly one in four Americans will be over 65. The aging population will radically change society as individuals face the challenges of growing older, and caring for parents. As our life spans increase, so do our options for how we will spend our later years. Few have made plans for retirement. Without clear goals, plans to support dependants and means of paying for financial commitments, in addition to increasing health risks, retirement could be a time of uncertainty.

Michael S. Midlam is the President and Chief Executive Officer of Asset Marketing Systems (AMS), the largest field-marketing organization in the financial services industry. Under his direction, AMS has helped its financial advisors place in excess of $4.5 billion in fixed and equity-indexed annuity premium.

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Jill L. O'Donnell, R.N., P.H.N., Cert. Social Service Administration, B.A., is the founder of Complete Geriatric Care, a private eldercare consulting service established in 1981. In 1994, under the umbrella of Complete Geriatric Care, she founded The Elder Connection, a monthly networking breakfast. She also launched ElderMoves, a complete relocation service, in 1996. O'Donnell is a recognized pioneer in the field of gerontology, known for her work as a consultant, advocate, and educator on eldercare issues, and as a lecturer and presenter at international, national, and regional conferences on aging. She has a broad knowledge of both private and public resources gained through experience in community and institutional settings. Her expertise extends to organizing treatment, and housing frail elders who have cognitive impairment. O'Donnell is Past President of Women's College Hospital School of Nursing Alumni and is a certified registered nurse with the College of Nurses (Ontario). She is a member of the Ontario Gerontology Association.

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