Rachel Schwab

With the holidays upon us, children everywhere are putting together their Christmas wish lists for Santa. While the latest video gaming system and cutest doll may bring a smile to their faces on Christmas morning, just imagine the smile on your children's or grandchildren's faces when they graduate from college with little or no student loans to pay back.

While the politicians in Washington fight over how to reform health care, individuals and business owners are dealing with ever-escalating medical costs. Employers continue to look for ways to reduce their cost of medical insurance while still providing medical benefits to their employees.