Today's episode brings Roger Whitney, "The Retirement Answer Man," to the microphone who will be indeed answering some of our questions on retirement planning with college in sight.

Roger has been a financial planner for 24 years, walking with his clients through the retirement maze. Eventually he developed a podcast and blog on the subject on his website offering tips and guidance along with a free retirement toolkit.

Later, I'll be answering a question about owning a business and its impact on your success in receiving financial aid. You may have gotten conflicting answers from well-meaning friends, so we'll break it down for you.