Once safely hidden behind the cloak of education, these service providers have long been able to employ adviser-like pricing models without the burden of being an adviser. Thats about to change.

Here are the facts of life about living as a retired person that you might want to consider while you're still young enough to make some changes.

Recreational marijuana use was approved in California, Nevada and Massachusetts, and Medical marijuana use was legalized in Florida, Arkansas and North Dakota.

The power split in the Senate, and regulatory process constraints, may shape the possibilities.