designation so they can help you plan for various stages, whether just having a child, starting a fam lichl how do you start saving that early for college, pay for college while you're there, save for retirement and most important, how do you leave a legacy of financial strength. all those things can be handled by the right type of financial adviser. >> what's the difference between a certified financial planner and just a financial add virz. ? >> it's someone who has gone to the certified financial board of planning standards and got that designation. they can plan in all these different areas, not just a broker who's going to sell your their securities. >>q-q-q-qm [ all right, sharon,. >> sure. >> up next, a look at the news for the week ahead and the art of making money. sometimes, it's not as easy as it seems. the big option that went a little bust. we'll have that when we return. >>> for more on our show, go to our website. you can also follow us on twitter at "on the money." here are stories coming up this week. macies, jc penney and nordstrom all reports earnings. on wednesday, mark