Author: Cristina Acosta and Nancy Fromm

Cristina Acosta and Nancy Fromm are co-owners of Money Wise (www.moneywiseaz.com), a Scottsdale, Ariz.-based financial-planning firm that helps create retirement-income strategies for people nearing or in retirement. Acosta has been in the retirement-planning industry for 22 years and Fromm has 30 years of retirement-planning experience. Both are Series 65 licensed and are fiduciaries.