As the state’s pension crisis continues, we talk with Kevin Waspi, a lecturer of Finance at the University of Illinois College of Business, about planning for retirement and what the best options are if you’re a state employee. Host Jim Meadows also talks with Waspi about financial planners and how to make sense of the differences between a C.F.A, a C.P.A., a C.F.P. and all the other titles financial planners use to identify themselves. They also discuss how to make sense of the couch potato porfolio. Of course this hour on Focus, we also welcome your questions for Kevin whether you are just starting out and looking for advice on investing, thinking about buying a home, or sending your kids to college.