Bruce W. Fraser, a financial writer in New York, (www.bwfraser.com/home) writes on wealth management, financial planning, and personal finance. He is a contributing editor to Wealth Manager and Financial Advisor magazines. He also writes for CNBC.com, Dow Jones Market-Watch, and the Christian Science Monitor. Bruce is writing a book on millionaires. You may contact him at frasernyc@aol.com.