After more than two decades in the Marines, where he served as a lieutenant colonel, and almost 15 years in financial services following that, Art Gorman took a break from working to start a family.

He and his wife ended up adopting three children, which left Gorman knowing, he says, that he was facing some hefty college costs in the years ahead. He says he knew that eventually he needed to return to work. "I have kids ages 6, 7 and 8. I'm never going to retire," Gorman jokes.

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