About the Authors Rick Kahler Rick Kahler, MS,CFP®,CCIM and President, Kahler Financial Group, is a life-long resident of Rapid City, South Dakota. He began his professional career at age 18, selling and appraising real estate. In 1982, he founded Kahler Financial Group, becoming the first fee-only financial planner in South Dakota. In 1998 the South Dakota State Legislature appointed Kahler to a five-year term on the South Dakota Investment Council, which oversees the management of the State's six-billion dollar retirement portfolio. Bloomberg Wealth Manager Magazine (Aug 2005) recognized Kahler Financial Group as the largest wealth manager in a five state area. The magazine ranked them as the 33rd fastest growing wealth manager, out of the top 500, nationwide. A pioneer in the "financial integration" evolution of the financial planning profession, Rick is co-founder of the five-day Financial Integration Workshop offered by Onsite Workshops of Nashville, Tennessee. The Wall Street Journal referred to it as "an innovative effort that combines experiential therapy with nuts and bolts of financial planning." Rick is one of a handful of planners nationwide who have teamed with counselors and coaches to help clients understand their relationship with money in order to help them change their behavior surrounding it. Mr. Kahler is also the co-founder of the Klontz-Kahler Institute, dedicated to training financial planners and counselors in the art of financial integration. Rick's work has been published or cited in USA Today, Wall Street Journal, Journal of Financial Planning, Consumer Reports, Money Magazine, Bloomberg Wealth Manager, Counselor Magazine, Registered Representative, and Solutions. He is co-author with Ted Klontz, PhD, and Brad Klontz, PhD, of The Financial Wisdom of Ebenezer Scrooge, (Health Communications, Inc., 2005). Kathleen Fox Kathleen has been a writer and editor since 1989 and has edited numerous self-help books. For three years, she wrote a column on stepfamilies for The Dallas Morning News, and she is the author of Making the Best of Second Best: A Guide to Positive Stepparenting. Her other professional experience includes working as a legal secretary, building computers and providing technical support, and serving as executive director of Onsite Training, which offered workshops and treatment for co-dependency. Kathleen's education includes a Magna Cum Laude degree in English and art from Dakota Wesleyan University and certification as a practitioner in Neuro-Linguistic Programming. She is a member of Toastmasters International and an award-winning speaker. The mother of two and stepmother of three adult children, she has experienced a first marriage that ended in divorce and a second marriage that ended with the sudden death of her husband in an accident. Much of the insight in her work has been distilled out of the pain of those life-changing circumstances.