Read the Q&A 
Liz Taylor's series on long-term care insurance
Monday, December 21, 2009 - Page updated at 12:57 p.m.
Q&A | Home Heating
Consumer affairs reporter Susan Kelleher and and three industry experts answered reader questions on home heating options.
» Personal finance information to help you make it through troubled times.
Simple money moves can help family with special needs
We asked readers to share their money questions with us, and 300 bared their financial souls in exchange for a chance at a free financial makeover. We chose seven to share with you, in hopes that the advice they got from volunteer financial planners will teach you something about managing your money better. You'll also find tips and resources to help you on your way to financial good health.
Terry Yamashita's goal: Have retirement money last through lifetime
The Volds' goal: A safer investment plan that saves for college
Pat and Kristen Parman-Bethard: Overcoming the "gay penalty"
Bosma and Moody | Retire comfortably and save for kids' future
Mary Bartley | Prescription for divorced mom: Save for retirement
Marker | Get out of debt and get a better job
Wilhelm and Hagopian | Charting income, moving forward with goal
Where should you be on the financial road of life?
Your retirement nest egg might be more important than your child's college fund
Saving for retirement: Tools of the trade
Resources | A bevy of books to help your financial planning
Resources | Where to look on the Web for advice
Glossary: Financial terms defined
| Your Money 2006 |
As the more than 200 surveys Times readers sent to us indicate, saving money is a lot tougher these days. We offered free financial makeovers, and soon were awash in stories of distress from readers of all stages and ages. We've turned to our experts for ways to achieve security in today's climate. The financial planners offer a wide variety of useful tips and strategies.
Thinking ahead
• Where should you be on the financial road of life?
• How to choose a financial planner that's best for you
• Pick a retirement date, let fund managers call the plays
• Real estate — Home, sweet investment
Makeovers
Resources
 |
What's your plan? Some speculate we're heading toward becoming a nation of the haves and have-nots — the "have-retirement-savings" and the "have-none," that is. You don't want to be a "have-not." We offer this guide as a resource to find your way to financial security. |
 Financial makeoversWe arranged for four volunteers to get a free financial plan. |
 |
 Spending your nest eggHow to make your money last as long as you do. |
| ||
 In retirementMoving from Seattle to a cheaper locale is one way to stretch a buck |
|
 Leaving a legacyCharitable giving can fulfill personal legacy. |
Achieving a secure retirement isn't easy. We can help you get there.
The bottom line: It's up to you.
Maybe you took a hit in the stock market. Or you've yet to see your own recovery from the recession. Maybe it's a struggle just to make this month's rent or mortgage payment. In this uncertain climate, you might think: Who can plan for retirement? Today more than ever, you'd better look to yourself to ensure a comfortable life after your career ends.
• Retirement out of reach for many
• Picking the right locale for later years
• Employers, employees paying more attention to 401(k) plans
• Special challenges: Women and minorities
• Counting on that Social Security? Pension? Better think again
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