Ronn Nuger, CFP^®, is a financial adviser with a national financial services company in Annapolis. For more than eight years he has taught income tax planning, retirement planning, investment planning, insurance and the financial planning process at many regional colleges and universities, including Anne Arundel Community College.

Lorraine B. Pontillo, CFP^®, is a financial planner for a national credit union in Maryland. Past owner of a financial planning company with clients throughout the United States, she has also served as a financial adviser for a national firm that included new adviser training responsibilities.