As such, any practical financial plan for retirement must take inflation into consideration.

FORBES: Weave Your Own Retirement Safety Net

Moreover, insurance companies are set to unleash an onslaught of flexible annuity products, such as Lincoln Financial's i4Life plan, which is a variable annuity that hedges against inflation, puts a floor under income payments and provides a death benefit if your die before 85.

FORBES: Nest Egg Tapping

After gleaning information from you via interviews or questionnaires, most planners will crank out a comprehensive financial plan, a one-shot document that deals with such issues as retirement (probably the most important), children's college education, taxes, insurance coverage and estate matters.

FORBES: A Plan To Get A Planner

Complementing the sartorial splendor was a striking dearth of valuable information about his business, such as a study of the local printing market, financial projections or even a business plan.

FORBES: Looking For Lender Love

Of course, the plan will only be successful if it is fully funded by governments, financial institutions such as the World Bank and Islamic Development Bank, and philanthropic organizations like the ones we run.

WSJ: Bill Gates and Michael Bloomberg: Our Plan to Eradicate Polio

The bottom line is that a distressed debtor cannot just presume that all charitable giving will go unchallenged, and therefore it is best to plan well in advance for charitable giving and taking into considerations such things as an unforeseen financial crisis.

FORBES: McGough: Debtors' Charitable Giving Limited To 15% Of Gross Income In Bankruptcy