Jo-Ann Moss is a certified cruise specialist and booking agent for Cruise Planners, a national travel franchise in business since 1994 and an American Express rep. She books ocean and river cruises, national and worldwide tours, hotels, transfers, excursions, and all inclusives. She also offers superb travel insurance through Allianz, formerly Access America.

Vacations can be pricey. Certified cruise specialists undergo extensive training so that you don't spend your hard-earned money on the wrong vacation product. Information directly from the cruise lines can sometimes be biased, and Internet call center operators are not always trained to guide you properly.

Jo-Ann provides exceptional customer service, expert guidance, a search for the best value for your money, and a promise to stay on top of prices. If your cruise drops in price before final payment, she'll be on the phone with the cruise line to make sure you get the very best price available. She never charges a fee.