Brad Klontz, Psy.D., is the 2008 President of the Hawaii Psychological Association. He is a licensed clinical psychologist, speaker, researcher, consultant, columnist, and personal coach. The CEO of Klontz Coaching & Consulting (www.klontzcoaching.com), Brad has been published in numerous professional journals. He is a leading expert in the psychology of money whose work has been featured on NPR and in the Wall Street Journal and Washington Post. He is the coauthor of Facilitating Financial Health and the creator of the Financial Health Scale. Ted Klontz, Ph.D., is the President of Klontz Coaching & Consulting (www.klontzcoaching.com) and a noted pioneer in bending the fields of psychotherapy and financial planning. He is a speaker, workshop leader, and has an active private coaching/consulting practice. Ted has been a contributor and coauthor of a number of books, including Chicken Soup for the Recovering Soul and Facilitating Financial Health. His work has been featured in Wynonna Judd's best-selling book Coming Home To Myself, and he has been a guest on Today and Naomi's New Morning on the Hallmark Channel. Rick Kahler, CFP(R), MS, ChFC, CCIM, launched his professional career in real estate at age eighteen and went on to earn a master's degree in personal financial planning. He founded Kahler Financial Group in 1981 and became South Dakota's first fee-only financial planner in 1983. Between 1998 and 2003, he served as a member and then chairman of the South Dakota Investment Council. He oversaw a six-billion-dollar portfolio and was widely recognized for making exemplary strides in a time of unprecedented market volatility.