http://kimberlyfoss.com/wealthadvisor/wp-content/uploads/2013/05/usatoday9-2014.pdf

usatoday.com, Sept. 24, 2014 Rodney Brooks of USA Today turns to Kimberly Foss, CFP, president of Empyrion Wealth Management, for insight on dealing with unexpected retirement. Foss says the most important thing is to be realistic and proactive in retirement planning. “Don’t leave your retirement to hopium,” she says. “Hopium is a foolish hope. It allows people to ignore sometimes unexpected realities, such as unemployment. It keeps people from making a proper plan.”

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CNBC, Sept. 24, 2014

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