Charles Farrell, J.D., LL.M. is an investment advisor with Northstar Investment Advisors in Denver, Colorado. He works primarily with individuals and families on the management and funding of their retirement savings, and is a former tax attorney. His research on retirement and investing has been widely published in major media outlets including The Wall Street Journal, Money Magazine, Journal of Financial Planning, Smart Money and The Investment News. He is the author of the book, Your Money Ratios: 8 Simple Tools For Financial Security, which will be published in December 2009.