DANIEL L. SEGAL, Ph D, is an Associate Professor in the Department of Psychology at the University of Colorado at Colorado Springs. He teaches courses in clinical psychology, conducts research on mental health and aging, and trains students in clinical geropsychology at the CU Aging Center. FREDERICK L. COOLIDGE, Ph D, is a Professor in the Department of Psychology at the University of Colorado at Colorado Springs. His research focuses on behavioral genetics and personality disorders across the lifespan. ERLENE ROSOWSKY, Psy D, is an Assistant Clinical Professor in Psychology in the Department of Psychiatry at Harvard Medical School and is the Director of the Center for Mental Health and Aging at the Massachusetts School of Professional Psychology. Dr. Rosowsky writes a regular column for the Journal of Retirement Planning.