Elizabeth Marquez is a mathematics assessment specialist at Educational Testing Service (ETS) in Princeton, New Jersey. Elizabeth has more than thirty years of mathematics teaching experience from elementary through graduate school. She is a recipient of the Presidential Award for Excellence in Mathematics Teaching and the Princeton University Prize for Distinguished Secondary School Teaching. Elizabeth is an author of ETS's Teacher Assistance Package Guides in Mathematics, the New Jersey Core Curriculum Content Standards and Frameworks, Mathematics Standardized Test Prep, and for Eye on Education, with Charlotte Danielson, A Collection of Performance Tasks and Rubrics in Mathematics.



Paul Westbrook, CFP, is President of Westbrook Financial Advisers, a fee-only financial and retirement planning firm in New Brunswick, New Jersey. Paul has spoken at financial planning and benefits conferences and has been quoted in Money magazine, Fortune, The Wall Street Journal, and Barron's. He also teaches at the business school at Rutgers University. Paul has written several books: Word Smart for Business, Math Smart for Business, and Business Companion. He also wrote JK Lasser's New Rules forRetirement and Tax.