Theodore Sarenski, CPA/PFS, CFP, president and CEO of DB&B Financial Services, LLC, an investment and financial-planning firm in Syracuse, New York, www.dbbllc.com. He has made numerous presentations about the Social Security system at the American Institute of Certified Public Accountants’ (AICPA) annual conferences and was one of the reviewers of the AICPA’s 2005 white paper on Social Security
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