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Feature Fall 2004 Winter 2012
It doesn’t take much to make you feel blue: gray clouds hanging low in the sky or buzzing fluorescent lights casting a cold, clinical pallor. Often the weeks after Christmas become the start of a bleak and seemingly endless winter. You’re pensive and it’s hard to function at work and at home.
Jeremy Charlesworth could see the skepticism on his client’s face. She didn’t say it, but he knew what she was thinking: You’re wrong.
In my career and my life I have found the key determinants to success include one’s ability to take on a challenge and adapt to change. Change comes in many forms: your responsibilities, your callings, and your addresses. 
One month from delivering her third child, Jennifer Jackson Buckner boarded the elevator of her New York high rise holding the hands of her two young boys. Partway down from the twenty-ninth floor, a professionally dressed woman joined them. After watching the family for a few moments, the woman said as she exited the elevator with a smile, “Easier to start a company.”
This is the first of a five-part personal financial planning series sponsored by the Peery Institute of Financial Services. The next installment, addressing insurance, will appear in the Winter 2005 issue.
I want to describe a few of the people who surround me at the Environmental Protection Agency (EPA). My deputy has a PhD in Islamic philosophy. The person in the office next to mine is a former reporter for National Public Radio. A woman in our administration office is a concert pianist.