Kenneth F. Robinson, JD, CFP® has provided fee-only financial guidance to individuals and families for more than 15 years. The owner of Practical Financial Planning, Inc., Ken also provides keynote speeches and seminars on personal finance through his company Financial Self-Confidence. Before founding his planning practice, he worked as a lawyer in private practice, and as a property/casualty risk manager in local government. Ken is the author of several books including Don't Make a Budget: Why it's So Hard to Save Money and What to Do About It. He also wrote, produced and directed a critically acclaimed rap music video on dealing with bear markets. A frequent contributor to Cleveland's The Plain Dealer, Ken has been quoted in Money and Kiplinger's Personal Finance, and his work on financial planning has appeared in the journal Science. He is the co-author, with Jake Kuebler, of the white paper, “The Financial Planners’ Retainer: A Reflection of Real Value,” and serves on ACP’s Board and on NAPFA’s Ethics Committee.