Mr. Raphaelson earned his M.S. Industrial Administration from Carnegie Mellon and is a retired V.P. Chase Manhattan Bank (23 years). He currently writes a syndicated personal finance column for Tribune Content Agency, “The Money Game.” The column is published nation-wide. I have been writing the column for three years. Other personal/ retirement planning columns have been published in the New York Times, Twn & Country, Vogue, Self, Savvy, working Women, and other national publications. He taught courses in personal financial planning as an adjunct faculty member of The New School for Social Research in NYC for 18 years. For several years Raphaelson conducted retirement planning seminars for employees of Dow Jones & Co. Raphaelson also wrote two books regarding personal financial planning and retirement planning that were published by John Wiley & Sons and Scott Foresman & Co. Both books received excellent reviews.