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Over the last five years, couples participating in the Building Healthy Marriages project reported improvements in time spent together, problem solving, intimacy and closeness. How a family works together to address these concerns is what makes the difference.

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It is always a good idea to contribute as much as possible to retirement plans, to take advantage of tax deferral and employer matches.Clearly not all families will have the same end goal – figure out what is important to you, whether it is early retirement, financial comfort, children’s education, travel, taking care of elders, or your children.Someone starting their savings in their early 20s can save 10% of their income and have a sufficient nest egg, while someone starting in their 40s may have to bump that number up more towards 20%.The first step is to figure out a realistic financial goal for yourself and your family.Talk with your loved ones to ensure that everyone has the same goals in mind.education • Graduate of Milford High School, 1952 • Attended Wilmington College, Ohio, 1953 • United States Naval Academy at Annapolis, Maryland Bachelor of Science Degree, 1954 – 1958 • New York University, Post – Graduate • Fordham University School of Law, Juris Doctor, 1965 – 1969 military • Graduate of United States Naval Academy, 1958 • Staff Officer – Fort Lee, Virginia, 1959 - 1961 • Commander – Unit Detachment, South Vietnam, 1962 – 1963 employment • Officer, United States Armed Forces, 1958 – 1963 • District Engineer and Assistant Industrial Relations Manager, Public Service Electric & Gas Company, Newark, New Jersey, 1963 – 1969 • Attorney and President of Law Firm of Arthur K. C., 221 Broad Street, Milford, Pennsylvania, 1996 - 2004 • Partner, Rosenn, Jenkins and Greenwald, LLP, 2004 - 2008 • Attorney of Counsel, Ridley, Chuff, Kosierowski and Scanlon, P.

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Family counseling can help everyone in the household learn how to foster relationships together.

It can also give strategies for negotiating the complex mixture of needs of the various family members, bringing those new rough waters to a smooth resting place.

In July of 2008, Attorney Ridley joined the law firm Ridley, Chuff, Kosierowski and Scanlon, P. The law firm has offices in Scranton and Milford, Pennsylvania and assists individuals and corporate entities in northeastern Pennsylvania with commercial and residential real property transactions, land and zoning issues, municipal law, civil litigation, estate planning and administration, and various tax issues.

Married to the former Jane Hamilton; two daughters, Jennifer is a graduate of Bucknell University, Lewisburg, Pennsylvania, and is a school psychologist; Jill is a graduate of Lock Haven State College, Lock Haven, Pennsylvania, and is now teaching.

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