Paul Westbrook, CFP, is President of Westbrook Financial Advisers, a fee-only financial and retirement planning firm in New Brunswick, New Jersey. Paul has spoken at financial planning and benefits conferences and has been quoted in Money magazine, Fortune, The Wall Street Journal, and Barron's. He also teaches at the business school at Rutgers University. Paul has written several books: Word Smart for Business, Math Smart for Business, and Business Companion. He also wrote JK Lasser's New Rules forRetirement and Tax.
Elaine M. Phillips has an M.A. in French literature and a Ph.D. in Foreign Language Education from the University of Texas at Austin. Her career in foreign language education spans more than thirty years including teaching French in an American high school in Germany and in college and junior college in Texas. She also supervised and taught methods courses for student teachers and graduate courses in Foreign Language Education at UT Austin. Her previous experience as director of the LOTE Center for Educator Development focused on foreign language standards implementation and professional development for in-service teachers. She served as Project Director for the 2007 Texas Language Summit, which assessed economic, social, and cultural imperatives for language competency in Texas for the National Security Education Program, co-authoring LANGUAGE ROADMAP FOR THE 21ST CENTURY: TEXAS. Phillips is currently a language education and evaluation consultant.