Cheryl Farrell, CFP®, CLU, ChFC, CRC®, CASL, AEP, MSFS, is a retirement income expert who combines extensive experience with formal education in financial and estate planning, retirement income planning, and individual risk management. In the past several years, she has specialized in retirement income planning for the impending Baby Boomer retirement wave. Cheryl is a Certified Financial Planner®, a Chartered Life Underwriter, a Chartered Financial Consultant, a Certified Retirement Counselor®, and an Accredited Estate Planner. She holds a Master of Science in Financial Services from The American College, a bachelor's degree in Mass Communication from the University of Wisconsin, and is a retired field grade officer who served 20 years with the Army National Guard.