Pat Williams founded The Word Boston in July of 2004. Pat has worked as a Community Outreach and Marketing Coordinator for Citi Performing Arts Center and was a member of SpectrumBoston’s Marketing and Advisory Committees. Pat has appeared on WCVB Channel 5’s CityLine television program, BNN-TV shows Fernando’s Hideaway and Third Spaces, Brookline Access Television’s Alivelihood and the Somerville Cable Access show Somerville Line. In September of 2011, Pat received Associated Minority Business Enterprises’ Minority Media Cornerstone of the Year Award.

Darryl Ruffen, CFP®, MBA provides columns for The Word On Your Financial Future. Darryl is a Financial Advisor with Ameriprise Financial Services, Inc. in Danvers, MA. He specializes in fee–based financial planning and asset management strategies and has been in practice for 13 years. To contact him you may call (978) 777–8382, Joanne Reilly and Associates, 175 Andover St., Suite 304, Danvers, MA 01923. http://www.ameripriseadvisors.com/darryl.r.ruffen/. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser