, the principal financial planner of Haven Financial Solutions, is a CERTIFIED FINANCIAL PLANNER (CFP), a NAPFA-registered Financial Advisor, a Certified Divorce Financial Analyst (CDFA), and a Registered Investment Advisor in the State of Illinois. She studied financial planning at Northwestern Universitys Certified Financial Planner certification program. She also holds a Series 65 license (Registered Investment Advisor Representative) and earned a certification in college planning. She earned an M.A. from the University of Chicago, School of Social Service Administration, and a B.A., magna cum laude, from Northeastern Illinois University.\r\nShe is the author of (Penguin Random House); writes a regular column for magazine and completed a thorough revision of their mutual funds handbook.In addition to academic training and professionalexperience, Ms. Schultz has personally managed Social Security, Medicare,\r\nretirement and long-term care issues; college funding concerns; and cash flowand transition planning in self-employment and divorce situations. Her social work background gives her an innovative perspective on financial planning issues; for her, financial planning is not only about money, but also a key component in a satisfying and well-lived life.