RACHEL LANE is the Executive Manager - Aged Care Solutions for Colonial First State. Having worked in financial services for 12 years and as a specialist in aged care for the past seven years, she is well known and respected within these industries, particularly for providing advice on the structuring of assets and income for aged care residents. NOEL WHITTAKER is one of Australia's best known financial advisers and is a founding director of Whittaker Macnaught Pty Ltd, a leading financial planning organisation. He is a pioneer in the field of consumer education and is the author of 19 books including the international best seller Making Money Made Simple. He writes weekly columns in many major Australian newspapers, and also makes regular appearances on radio and television.