Economic Status: This 56-year-old woman has been at her company for 12 years. She has $500,000 in her 401(k) plan and makes $165,000 plus $25,000 in bonuses per year. She shares custody of her three children - 21, 17, and 9 - with her ex-husband. She aims to retire in 10 years.

Financial Considerations: Ensuring adequate retirement funds, securing long-term care, planning a last will and testament, creating buffering for turnover at pharmaceutical companies, saving for college tuition on a sizable salary.

Goals: Get long-term care insurance, suggests Tom Nowak, a certified financial planner at Quantum Financial Planning in Illinois. With this plan, her company provides for nursing home or home elder care after retirement. "The problem is, if you...

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