This week on the Lifetime Income Series, Jim is joined by John Loeffler to discuss what are likely your three most important financial decisions; planning for a home, college expenses and retirement. Jim points out that the years go by fast, and getting started early will make it considerably easier to meet your goals. They illustrate the importance of planning through the case study of Mike and Jennifer Hughes. The guest this week is Dr. Drew Collins who will speak on preventing heart disease and how to recover to good health if you have it. Dr. Collins has his doctorate in naturopathic medicine (N.D.) and practices at the San Diego Clinic of Integrative Medicine.