| certified financial fiduciary designation: Who's Sitting on Your Nest Egg? Robin S. Davis, 2007 What happens when you can't manage your finances alone anymore? The worst time to search for a financial advisor is when you have to, so it's important to build a trusting relationship with a certified professional today. Robin Davis' Ten Tests will help you avoid the products salesmen and choose a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. e a competent advisor who you can trust. |
| certified financial fiduciary designation: Financial Therapy Bradley T. Klontz, Sonya L. Britt, Kristy L. Archuleta, 2014-09-10 Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has emerged to meet increasingly salient concerns. Financial Therapy is the first full-length guide to the field, bridging theory, practical methods, and a growing cross-disciplinary evidence base to create a framework for improving this crucial aspect of clients' lives. Its contributors identify money-based disorders such as compulsive buying, financial hoarding, and workaholism, and analyze typical early experiences and the resulting mental constructs (money scripts) that drive toxic relationships with money. Clearly relating financial stability to larger therapeutic goals, therapists from varied perspectives offer practical tools for assessment and intervention, advise on cultural and ethical considerations, and provide instructive case studies. A diverse palette of research-based and practice-based models meets monetary mental health issues with well-known treatment approaches, among them: Cognitive-behavioral and solution-focused therapies. Collaborative relationship models. Experiential approaches. Psychodynamic financial therapy. Feminist and humanistic approaches. Stages of change and motivational interviewing in financial therapy. A text that serves to introduce and define the field as well as plan for its future, Financial Therapy is an important investment for professionals in psychotherapy and counseling, family therapy, financial planning, and social policy. |
| certified financial fiduciary designation: Common Financial Sense: Simple Strategies for Successful 401(k) & 403(b) Retirement Plan Investing Harris Nydick Cfp(r), Greg Makowski Cfp(r), 2018-04-09 The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. Your future isn't going to pay for itself. Common Financial Sense will give you the knowledge you need to fund the retirement you deserve. Common Financial Sense helps you to better understand your 401(k) or 403(b) plan and how to save smarter for your retirement. Common Financial Sense lays out the basics of 401(k) and 403(b) planning in simple, easy to understand language. With the guidance of nationally recognized investment experts Harris Nydick and Greg Makowski, you'll learn how to: Choose the investments best suited for you Make other important choices that are appropriate to your stage of life Identify common misconceptions about retirement planning Calculate the optimum amount to save each year Be calm in the face of market fluctuations Get to retirement with a large enough nest egg When it comes to investing for your future, many people don't even know where to begin or what questions to ask. Common Financial Sense is your starting point. |
| certified financial fiduciary designation: Financial Counseling Dorothy B. Durband, Ryan H. Law, Angela K. Mazzolini, 2018-10-16 This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability. -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices. |
| certified financial fiduciary designation: Not Just A Living Mark Henricks, 2003-07-03 As people have come to yearn for more fulfilling and creative work, many are realizing their dreams by leaving the corporate life behind and creating businesses around the things they love. In Not Just a Living, Mark Henricks explores the genesis of this cultural and social phenomenon and offers a comprehensive approach for assessing your own potential, taking the plunge, and building a business that helps you fulfill both personal and professional aspirations. Combining the authority of firsthand experience, colorful and engaging stories from the front lines, and a variety of diagnostic and planning tools, Henricks shows you how to determine whether the entrepreneurial route is right for you, recognize opportunities, overcome obstacles, plan your course, and launch and sustain your business-whether it's a solo venture out of your garage or a multi-million-dollar enterprise. |
| certified financial fiduciary designation: CFP Board Financial Planning Competency Handbook CFP Board, 2015-07-09 The official CFP guide for career excellence CFP Board Financial Planning Competency Handbook is the essential reference for those at any stage of CFP certification and a one-stop resource for practitioners looking to better serve their clients. This fully updated second edition includes brand new content on connections diagrams, new case studies, and new instructional videos, and a completely new section devoted to the interdisciplinary nature of financial planning. You'll gain insights from diverse fields like psychology, behavioral finance, communication, and marriage and family therapy to help you better connect with and guide your clients, alongside the detailed financial knowledge you need to perform to the highest expectations as a financial planner. The only official CFP Board handbook on the market, this book contains over ninety chapters that are essential for practitioners, students, and faculty. Whether a practitioner, student, or faculty member, this guide is the invaluable reference you need at your fingertips. Comprehensive, clear, and detailed, this handbook forms the foundation of the smart financial planner's library. Each jurisdiction has its own laws and regulations surrounding financial planning, but the information in this book represents the core body of knowledge the profession demands no matter where you practice. CFP Board Financial Planning Competency Handbook guides you from student to practitioner and far beyond, with the information you need when you need it. |
| certified financial fiduciary designation: Fedsavvy Carol Schmidlin, 2012-01-16 Are your federal benefits at risk? Are we at the point of every man/woman for themselves? FedSavvy will take you through the complexities of the federal retirement system so that you can make informed decisions about your financial future. Federal Employees have some great benefits, however, going through the maze to figure out if you are taking advantage of them can sometimes be complicated. At present, most federal employees are feeling threatened because the Congressional Budget Office is dangling a knife over their benefi ts. Build a meaningful and profi table retirement profi le, by understanding: • How to calculate your CSRS and FERS pension • Documents you will need to have • The best dates to retire • Credit for unused sick leave and annual leave • How does Social Security affect the CSRS annuity • VCP - the best benefi t for CSRS and CSRS Offset • How to not only save but allocate your funds in the Thrift Savings Plan • Sequential Income Planning with TSP • Magic Numbers for TSP • An understanding of the Federal Insurance Programs: FEHB, FEGLI, and FLTCIP |
| certified financial fiduciary designation: The Investor's Manifesto William J. Bernstein, 2012-08-28 A timeless approach to investing wisely over an investment lifetime With the current market maelstrom as a background, this timely guide describes just how to plan a lifetime of investing, in good times and bad, discussing stocks and bonds as well as the relationship between risk and return. Filled with in-depth insights and practical advice, The Investor's Manifesto will help you understand the nuts and bolts of executing a lifetime investment plan, including: how to survive dealing with the investment industry, the practical meaning of market efficiency, how much to save, how to maintain discipline in the face of panics and manias, and what vehicles to use to achieve financial security and freedom. Written by bestselling author William J. Bernstein, well known for his insights on how individual investors can manage their personal wealth and retirement funds wisely Examines how the financial landscape has radically altered in the past two years, and what investors should do about it Contains practical insights that the everyday investor can understand Focuses on the concept of Pascal's Wager-identifying and avoiding worst-case scenarios, and planning investment decisions on that basis With The Investor's Manifesto as your guide, you'll quickly discover the timeless investment approaches that can put you in a better position to prosper over time. |
| certified financial fiduciary designation: The Bucket Plan® Jason L Smith, 2017-08-29 Worry less. Plan more. Do you want a secure retirement, free from worry, stress, and confusion? The Bucket Plan® is a must-read book for anyone serious about creating a practical and sensible financial plan for his or her retirement years. The financialplanning process outlined in this book is based on a three-bucket philosophy of strategically positioning assets to plan for and mitigate the risks and dangers that can occur in retirement. Readers will learn: • The three biggest dangers for your financial future and how The Bucket Plan helps protect from them • A formula for calculating whether you will have an income deficit and, if so, how much money is needed to prevent it • A surefire way to avoid taking on too much investment risk on money you may need in the near future • Much, much more When readers strategically allocate their money using Jason Smith’s three-bucket philosophy, they can create a plan that mitigates risk and offers an opportunity for growth into the future, allowing them to feel more secure about retirement. |
| certified financial fiduciary designation: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| certified financial fiduciary designation: The Road to Success Nick Nanton, J. W. Dicks, Jack Canfield, 2016-07-27 To take a road trip to Success, we will need a destination as well as a GPS. Success is described here as the achievement of a goal. The goals we adopt may be the result of experience, vision or desire. They crystallize our desire to get to a better place. Having picked a goal for success, how do you get there? What drives you on? Some more popular goals include amassing wealth, gaining recognition and a desire to improve the lifestyle of others. It is also interesting to note that both philosophers as well as successful travellers on this road to success tell us that the journey is the real prize, not merely arriving at the destination. So what route does your roadmap follow? Whatever route you choose, the CelebrityExperts(R) in this book can mentor your trip. They have completed this trip before, and they know where the potholes and the dead-ends are. These successful people have traits in common including creativity, risk taking, planning, perseverance and they are action-takers. Without taking action, The Road To Success is merely a mirage. So read, learn and enjoy. Safe travels A good plan, violently executed now, is better than a perfect plan next week. Gen. George S. Patton, Jr. |
| certified financial fiduciary designation: Success as a Financial Advisor For Dummies Ivan M. Illan, 2018-11-13 A must-have reference for financial advisors In step-by-step detail, Success as a Financial Advisor For Dummies covers how a current or would-be financial advisor can maximize their professional success through a series of behaviors, activities, and specific client-centric value propositions. In a time when federal regulators are changing the landscape on the standard of care that financial services clients should expect from their advisors, this book affords professionals insight on how they can be evolving their practices to align with the regulatory and technological trends currently underway. Inside, you’ll find out how a financial advisor can be a true fiduciary, how to compete against the growing field of robo-advisors, and how the passive investing trend is actually all about being an active investor. Additionally, you’ll discover time-tested advice on building and focusing on client relationships, having a top advisor mindset, and much more. Master the seven core competencies Attract and win new business Pick the right clients Benchmark your performance Start your own firm Brimming with practical expert advice, Success as a Financial Advisor For Dummies is a priceless success tool for any wannabe or experienced financial advisor. |
| certified financial fiduciary designation: The History of Financial Planning E. Denby Brandon, Jr., H. Oliver Welch, 2009-09-17 The first book to provide a comprehensive history of the financial planning profession The financial services field has been revolutionized in the last quarter of the twentieth century by the financial planning profession. So much has happened in so little time that it has been difficult to keep up with the events and key players that make up the world of financial planning. The History of Financial Planning is the first book to provide a comprehensive history of the profession. Backed by the Financial Planning Association, The History of Financial Planning offers a clear overview of the industry and how it has grown and changed over the years. This book chronicles the history of the profession, with explanations of how the financial planning movement has grown beyond the United States to other countries-particularly in the last fifteen years. The book also demonstrates how the work of key researchers, such as Dr. Daniel Kahneman, Vernon Smith, and Amos Tversky, has influenced the rise of the financial planning profession Names four initial engines of growth that contributed to the success of financial planning Reveals the moments and key players that define the history of financial planning Discusses the emergence of the Financial Planning Association (FPA) The financial planning field has a rich history, and with this book as your guide, you'll quickly discover how it has evolved over the years. |
| certified financial fiduciary designation: Estate Planning 101 Vicki Cook, Amy Blacklock, 2021-08-03 Discover the ins and outs of planning your own or your loved one’s last wishes with this easy-to-understand guide to estate planning. No one likes to talk about death, but being prepared for any unexpected tragedy can help your loved ones navigate your loss more easily in the long run. From creating your advanced medical directives to designating your beneficiaries, estate planning can ensure that your wishes are carried out when you are no longer around. With Estate Planning 101, you can get your affairs in order before any unfortunate incident occurs. This easy-to-understand guide comes with detailed information on what needs to be done to protect your estate. With information on creating a living will, minimizing estate taxes, choosing an executor, and more, you will be prepared for the future, no matter what it brings. Estate Planning 101 offers you step-by-step instructions and checklists to keep you organized for whatever life throws your way. |
| certified financial fiduciary designation: Beyond the Mask Brian P. Walsh, 2020-05-12 Minutes before Brian Walsh, then just a teenager, heard his beeper go off, calling him to help put out another fire, he was on top of the world. An hour later, after a freak flashover and confusion that sent the junior firefighter into the inferno against regulations, Brian had suffered such profound burns to his face that he was unidentifiable to his fellow firefighters. Nearly everyone expected him to die that night. He did not. Nearly everyone expected him to die in the burn unit where, over the next month, every other patient died. Nearly everyone, including family and friends, expected Brian to choose a professional life that would keep him from showing his face, and the personal life of a hermit. He did not. Boldly forging a path forward with courage, grace, and determination, Brian silenced his doubters and defied all expectations. Decades later, Brian is an extraordinarily successful and renowned financial planner, family man, community fixture, philanthropist, motivational speaker, and industry leader. In this stirring autobiography, he tells his incredible story, sharing the lessons that only tragedy could teach and how they helped him—and can help anyone—achieve greater success, inside and out. Beyond the Mask is the moving and inspirational story of how one horrific moment can define a human being forever—in the most life-affirming way. |
| certified financial fiduciary designation: The Bogleheads' Guide to Investing Taylor Larimore, Mel Lindauer, Michael LeBoeuf, 2006-04-20 Within this easy-to-use, need-to-know, no-frills guide to building financial well-being is advice for long-term wealth creation and happiness, without all the worries and fuss of stock pickers and day traders. |
| certified financial fiduciary designation: Income for Life Joseph DiSalvo, Marie L. Madarasz, 2020-04 The most important thing you can do as a retiree, or if you are thinking about retirement, is to develop a well-educated retirement and income plan. Even with the risks of market volatility, longevity, taxes, and unforeseen costs, a correct understanding of how to develop an investment and income strategy can help you face your future with confidence. Income for Life is your guide to converting your retirement savings to income. Drawing on forty years of combined experience in wealth management, Joseph DiSalvo and Marie Madarasz give you a straightforward education in the basics, along with practical exercises, to make sure you're prepared for retirement: from setting goals and budgets, to mitigating risk, ensuring steady and predictable income, how best to seek professional help, and more. Your retirement awaits. Learn to plan for your income in retirement today, and be prepared for whatever tomorrow brings. |
| certified financial fiduciary designation: Michigan Court Rules Kelly Stephen Searl, William C. Searl, 1922 |
| certified financial fiduciary designation: Prudent Practices for Investment Stewards Fiduciary360, 2006 This book details a prudent investment process for Investment Stewards--persons who have the legal responsibility for managing someone else's money, including trustees and investment committee members. It is used in conjunction with Fiduciary360's training programs in fiduciary responsibility. |
| certified financial fiduciary designation: The Guide to National Professional Certification Programs Philip M. Harris, 2001 The job market continues to change. Highly skilled and specialized workers are in demand. Traditional education cannot meet all the needs to create specialty skill workers. Certification provides up-to-date training and development while promoting individual or professional skills and knowledge in a focused manner. Certification as a way of continuing professional eduction can also be more cost effective. |
| certified financial fiduciary designation: What Can I Do Now? Ferguson, 2010 Guides students on the path to a career working in the business and finance industry. Job profiles include accountants and auditors, business managers, franchise owners, and human resources workers. |
| certified financial fiduciary designation: The 5 Mistakes Every Investor Makes and How to Avoid Them Peter Mallouk, 2014-07-22 Identify mistakes standing in the way of investment success With so much at stake in investing and wealth management, investors cannot afford to keep repeating actions that could have serious negative consequences for their financial goals. The Five Mistakes Every Investor Makes and How to Avoid Them focuses on what investors do wrong so often so they can set themselves on the right path to success. In this comprehensive reference, readers learn to navigate the ever-changing variables and market dilemmas that often make investing a risky and daunting endeavor. Well-known and respected author Peter Mallouk shares useful investment techniques, discusses the importance of disciplined investment management, and pinpoints common, avoidable mistakes made by professional and everyday investors alike. Designed to provide a workable, sensible framework for investors, The Five Mistakes Every Investor Makes and How to Avoid Them encourages investors to refrain from certain negative actions, such as fighting the market, misunderstanding performance, and letting one's biases and emotions get in the way of investing success. Details the major mistakes made by professional and everyday investors Highlights the strategies and mindset necessary for navigating ever-changing variables and market dilemmas Includes useful investment techniques and discusses the importance of discipline in investment management A reliable resource for investors who want to make more informed choices, this book steers readers away from past investment errors and guides them in the right direction. |
| certified financial fiduciary designation: Financial Planning Fiduciary Standards under Dodd Frank Errold Moody, 2012-03-30 The text is the complement to two video courses approved by the State Bar of California for Continuing Legal Education (Fiduciary Duty Dodd Frank: Investments; Fiduciary Duty Dodd Frank: Insurance and Annuities). It is many layers above Suze Orman, Robert Kiyosaki and the like and you will have to think . But it is also NOT a theoretical jumble of numbers and graphs. It is real life product application that debunks a lot of old marketing hype that was the reason for the trillions of dollars lost in 2000 and 2008. MANDATORY READING FOR FIRST YEAR FINANCE, BUSINESS AND FINANCIAL PLANNING MAJORS, ALL CFPS, ChFCs, CPAs AND ANY ATTORNEY DEALING WITH MONEY MATTERS (BUSINESS, ESTATE, REAL ESTATE, DIVORCE, PENSIONS, 401ks, ETC.) AND all consumers who want a true picture of how investing works, the risks thereof, and how to keep losses to a minimum. It is also mandatory reading for anyone attempting securities or insurance or annuities arbitration//litigation. The ebook is unique since it has been formatted so that the research links can be simply 'clicked' in the text to allow access to more detail. The Foreword may be found at efmoody.com/Foreword.pdf The Table of Contents may be found at efmoody.com/contents.pdf It is about 475 pages |
| certified financial fiduciary designation: Investing Made Simple Mike Piper, 2020-07-08 Find all of the following explained in plain-English with no technical jargon: Asset Allocation: What does it mean, why is it so important, and how should you determine your own? How to Pick Mutual Funds: Learn how to choose funds that are mathematically certain to outperform the majority of other mutual funds. Roth IRA vs. Traditional IRA vs. 401(k): What's the difference, and how should you choose between them? Financial Advisors: Learn what to look for as well as pitfalls to avoid. Frequent Investor Mistakes: Learn the most common mistakes and what you can do to avoid them. Calculate Your Retirement Needs: Learn how to calculate how much you'll need saved in order to retire. Who Is This Book For? Anyone who has questions about investing, but who doesn't want to trudge through a 300-page textbook. What This Book Is Not: This book is not a great work of literary art. This book is not going to make you an absolute expert on the topic, and This book is not going to provide you with a way to get rich overnight. What it will do (hopefully) is provide an easy-to-understand, concise introduction to the topic of prudent investing. |
| certified financial fiduciary designation: The Bogleheads' Guide to Investing Mel Lindauer, Taylor Larimore, Michael LeBoeuf, 2021-11-23 The irreverent guide to investing, Boglehead style The Boglehead's Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical common sense promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game. Investing can be simple, but it's certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead's Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You'll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to: Choose a sound financial lifestyle and diversify your portfolio Start early, invest regularly, and know what you're buying Preserve your buying power, keeping costs and taxes low Throw out the good advice promoted by Wall Street that leads to investment failure Financial markets are essentially closed systems in which one's gain garners another's loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead's Guide to Investing. |
| certified financial fiduciary designation: Sudden Money Susan Bradley, Mary Martin, 2000-04-20 From inheritances and divorce and insurance settlements to retirement payouts and the most recent phenomenon of stock options, the largest transfer of wealth in the history of America is now taking place. For some, this welcome event is relatively stress-free. But for those who are inexperienced in dealing with large sums of money, a windfall can be an overwhelming, even losing, situation. What is the difference between those who build on their financial gains and those who end up worse off than before? In this much-needed, one-of-a-kind book, top financial planner Susan Bradley gets to the heart of the matter by examining the emotional complexity of the windfall experience and how to manage it-and your newfound money-successfully. Whatever the sum involved, the impact of one's emotional state on the way money is handled--or mishandled--cannot be underestimated. In addition to the legal intricacies of receiving sudden money, the element of surprise that catches people unprepared also often leaves them there. Here, at last, is a type of owner's manual to sudden money that demystifies the process for recipients and their financial planners. Based on her work with countless clients, many of whose stories appear in this book, Bradley has developed a step-by-step program for moving safely through the three phases of building a solid financial foundation: Preparation and Planning Investing Monitoring, Giving, and Sharing Giving individual attention to each possible windfall event, Bradley addresses their distinct tax consequences, insurance and estate planning considerations, as well as the crucial emotional component. She also shares advice on how to put together the proper team of advisors, including an attorney and a therapist. When correctly handled, an unexpected windfall can provide expected benefits that will continue far beyond the lifetime of the initial recipient---and turn sudden money into lasting wealth. Turn Sudden Money into Lasting Wealth Maximize your wealth and minimize your stress and confusion with this unique, indispensable guide to handling a sudden financial windfall. Written by nationally recognized financial planner Susan Bradley, Sudden Money provides a complete program for successfully managing newfound wealth. Discover ways to: Stay calm and not make decisions based on your emotions Seek experienced, professional advice Avoid pressure from others Create and execute the best financial plan for you Most important, Sudden Money provides you with easy-to-implement, proven ways to ensure that your financial gains are more than fleeting good fortune. A 'must read' for financial advisors and for clients who have received financial windfalls. Susan Bradley has detailed--in an easy-to-apply way--a new financial planning discipline that is sure to become a vital part of discussions about the burgeoning wealth in this country. —Ronni Burns, Wall Street consultant This book is essential for anyone who receives a financial windfall. It's an easy read and packed with useful advice. —Don Phillips, CEO, Morningstar Reading this book is like having a trusted friend explain what to expect, what to do, and what not to do at a happy time that can also be overwhelming and stressful. This book has been extraordinarily helpful to me. —Marci Shimoff, coauthor, Chicken Soup for the Soul Women in particular are often ill prepared to manage a financial windfall. Without careful planning, it could turn into a pitfall. Susan Bradley's book is a sensible guide on how to handle instant wealth. —Jennifer Openshaw, CEO, WFN.com, Financial Network for Women |
| certified financial fiduciary designation: Making Money Simple Peter Lazaroff, 2019-04-02 Simplify your financial life and ensure financial success into the future Feeling paralyzed by the overwhelming number of complex decisions you need to make with your money? You don’t need to be an expert to achieve financial freedom. You just need a framework that makes the right choices simple and easy to make. Making Money Simple provides that much-needed process so you can get on the right track to long-term financial security. This valuable resource provides a solid foundation for all the nuanced personal finance decisions you need to make as you go through your career, hit major life milestones, and look to grow wealth. It’s a blueprint for financial achievement—even through tough-to-navigate situations where there are no clear-cut rules. After you read Making Money Simple, you’ll be able to create your personal plan for success using proven wealth management methods and real-world financial strategies. From basic financial principles to advanced investing techniques, you’ll get comprehensive coverage of fundamental financial topics with easy-to-follow advice from author Peter Lazaroff, who draws from his expertise as the Chief Investment Officer of a multi-billion-dollar wealth management firm to give you the tools you need to simplify your financial situation and make the right moves at every opportunity. Getting your finances in order doesn’t have to be hard. It doesn’t require fancy, convoluted investment strategies. Nor does it require keeping track of detailed spreadsheets. You just need this step-by-step process to get your financial house in order and keep it that way forever. It doesn’t matter what your specific situation is. We all need to understand our money—and what to do with it. Making Money Simple shows you how to: Develop clear financial goals and plan for your future Understand the three crucial elements of building a strong financial house Implement effective investment strategies to grow your wealth and avoid costly mistakes Learn ten smart questions to ask when hiring financial professionals For those seeking to secure a solid financial future, Making Money Simple: A Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever is the roadmap to get you there. |
| certified financial fiduciary designation: The White Coat Investor James M. Dahle, 2014-01 Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a Backdoor Roth IRA and Stealth IRA to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place. - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research. - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books This book should be in every career counselor's office and delivered with every medical degree. - Rick Van Ness, Author of Common Sense Investing The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk. - Joe Jones, DO Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis. - Dennis Bethel, MD An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust. - Greg E Wilde, M.D Scroll up, click the buy button, and get started today! |
| certified financial fiduciary designation: The Allocation of Responsibility Max Gluckman, 1972 |
| certified financial fiduciary designation: Financial Planning Handbook for Physicians and Advisors David Edward Marcinko, 2005 Financial Planning for Physicians and Advisors describes a personal financial planning program to help doctors avoid the perils of harsh economic sacrifice. It outlines how to select a knowledgeable financial advisor and develop a comprehensive personal financial plan, and includes important sections on: insurance and risk management, asset diversification and modern portfolio construction, income tax and retirement planning, and succession and estate planning. When fully implemented with a professional's assistance, this book will help physicians and their financial advisors develop an effective long-term financial plan. |
| certified financial fiduciary designation: Gender on Wall Street Laura Mattia, 2018-06-13 This book contains advice and direction for women who are either seeking a career or who have already embarked on a career in financial services. The book first aims to help the female reader gain clarity on her motivation in pursuing a career in finance. It then identifies potential gender-specific challenges that could create problems if she is unaware or unconscious to her surrounding work environment. Lastly, it provides insights and exercises to develop a strategy for career accomplishment. Written by a former Senior Financial Executive for several fortune 500 firms including M&M Mars, a Wealth Manager/Owner of a fee-only Registered Investment Advisory firm, and Professor of financial planning at the University of South Florida, the book will help women identify pitfalls, create game plans to transcend the limitations of their workplace cultures, and learn how to collaborate with their peers to create healthier work environments. Told through personal stories, anecdotes from other women and academic research, Gender on Wall Street helps women identify the internal and external obstacles to their success. This book will also provide a means of overcoming these obstacles through conscious engagement, personal reflection and strategy-building exercises at the conclusion of each chapter. The reader will be guided into creating their own personal career plan—the STAR plan—which will help them achieve career success. |
| certified financial fiduciary designation: The Seven Stages of Money Maturity George Kinder, 2012-02-01 A vital, seminal breakthrough work... Kinder penetrates money's enigmas and mythologies with the artist's delicate touch, the critic's discriminating eye . . . and the insightful sensitivity of a good human being. This book is a gift. --Richard Wagner, former chairman, Institute of Certified Financial Planners Replace anxiety, self-sabotage, and self-doubt around money with the sense of ease and freedom you deserve in The Seven Stages of Money Maturity, a one-of-a-kind guide in the life-changing tradition of The 9 Steps to Financial Freedom and Your Money or Your Life. A renowned Buddhist teacher as well as a Harvard-trained, nationally prominent certified financial planner, George Kinder draws on both disciplines to guide us toward a full understanding of the spiritual and psychological issues that surround money. Although many of us may assume that issues of money and spirit are separate, incompatible questions, George Kinder shows us that we must explore them together to attain true peace, freedom, and security in our money lives. Tracing the same path to transformation on which he has led his clients and lectured audiences for years, Kinder leads us through the Seven Steps of a journey to the profound liberation of awakening to a world of abundance and possibility. Revealing practical, market-tested wealth-building skills as well as the wisdom that contributes to understanding and enriching the role money plays across our lives from the surface to the soul, Kinder teaches us how to: Understand feelings that impact taking financial action Develop understanding and knowledge about money Eliminate stress and anxiety around money Let go of old patterns and painful habits Approach money tasks with energy and optimism Design a money life that is fulfilling both financially and spiritually A powerful new way to look at your money and at your life, The Seven Stages of Money Maturity will help us experience each encounter with money as a step toward awakening and a powerful lesson in understanding the relationships we share with others and with ourselves. |
| certified financial fiduciary designation: Planning for Business Owners and Professionals Ted Kurlowicz, James F. Ivers, John J. McFadden, 2002 |
| certified financial fiduciary designation: Making Money Simple Peter Lazaroff, 2019-03-27 Simplify your financial life and ensure financial success into the future Feeling paralyzed by the overwhelming number of complex decisions you need to make with your money? You don’t need to be an expert to achieve financial freedom. You just need a framework that makes the right choices simple and easy to make. Making Money Simple provides that much-needed process so you can get on the right track to long-term financial security. This valuable resource provides a solid foundation for all the nuanced personal finance decisions you need to make as you go through your career, hit major life milestones, and look to grow wealth. It’s a blueprint for financial achievement—even through tough-to-navigate situations where there are no clear-cut rules. After you read Making Money Simple, you’ll be able to create your personal plan for success using proven wealth management methods and real-world financial strategies. From basic financial principles to advanced investing techniques, you’ll get comprehensive coverage of fundamental financial topics with easy-to-follow advice from author Peter Lazaroff, who draws from his expertise as the Chief Investment Officer of a multi-billion-dollar wealth management firm to give you the tools you need to simplify your financial situation and make the right moves at every opportunity. Getting your finances in order doesn’t have to be hard. It doesn’t require fancy, convoluted investment strategies. Nor does it require keeping track of detailed spreadsheets. You just need this step-by-step process to get your financial house in order and keep it that way forever. It doesn’t matter what your specific situation is. We all need to understand our money—and what to do with it. Making Money Simple shows you how to: Develop clear financial goals and plan for your future Understand the three crucial elements of building a strong financial house Implement effective investment strategies to grow your wealth and avoid costly mistakes Learn ten smart questions to ask when hiring financial professionals For those seeking to secure a solid financial future, Making Money Simple: A Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever is the roadmap to get you there. |
| certified financial fiduciary designation: Lifetime Lessons Stewart Flaherty, 2015-11-19 Stew Flaherty is the Founder and President of Flaherty Consulting Group, an independent financial advisory based in Westerville Ohio. During his 40+ years as a financial advisor, Flaherty has worked with hundreds of individuals and families as they strive towards a more secure financial future and ultimately, a rewarding retirement. His flourishing professional practice is founded on core principles that facilitate a sensible, sustainable approach to successfully managing money. Early in his career, Stew recognized that most financial plans suffered from an inherent flaw. While they looked good on paper, the plans lacked a practical connection to their clients’ lifestyles. To overcome this defect, Flaherty pioneered lifestyle financial consulting, an innovative strategy that provides the critical integration. Clients are able to make sound, realistic financial decisions that align with what is most important in their lives. Importantly, these decisions are made within a secure and nurturing environment. Flaherty has had the privilege of working with multiple generations of families. Parents in these families pass on meaningful financial lessons to their children, such as the principle that successful investing begins not with products but with developing a sound money management process. Flaherty’s leadership and consensus building skills gained national attention when his voluntary struggle to organize, fund and develop a women’s bobsled team resulted in the first ever U.S. Olympic Gold Medal in Women’s Bobsledding at the 2002 Winter Games in Salt Lake City. Despite starting out in 1996 with no sleds, uniforms, coaches, practice facilities, money or support, Flaherty was able to overcome immense obstacles and help inspire a group of enthusiastic young female recruits to achieve their seemingly impossible Olympic Gold dream just six years later. Flaherty achieved this improbable “rags to riches” victory by applying the same principles he uses to help his clients pursue their financial dreams: assess the situation, set goals, create a plan and commit to it. A former mayor and Citizen of the Year award winner in Westerville, Ohio, Stew and Marcia, his wife of 31 years, have four grown children and five grandchildren. Stew is an avid beekeeper, international traveller, photographer and reluctantly retired hockey player. Stewart Flaherty is a financial advisor located at The Flaherty Consulting Group, 577 Office Parkway Suite A, Westerville, OH 43082. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. He can be reached at (614) 891-4844 or at stew@flahertycg.com. |
| certified financial fiduciary designation: The Wealthy Crna Jeremy L. Stanley, 2013-03-06 CRNAs are smart, analytical, goal driven individuals but most have never had someone teach them about finances or how to plan for their personal goals.Having gone through anesthesia school, CRNAs realize that life is not lived all at once; it's lived in special moments, sad moments, days, months, years and decades. This forces us to adapt and change which sometimes results in losing our way causing us to make new plans.The Wealthy CRNA not only lays out a plan for CRNAs who work in hospitals but it coordinates a roadmap for freelancers and those who want to.Jeremy Stanley, CFP(r), AIF(r) has over two decades experience working with CRNAs and through this book provides unique insights that will help CRNAs, new and seasoned, lay out a plan to become financially successful.This book has been prior approved by the AANA for 4 Class A CE credits; Code Number 1032757; Exp. date 1/31/19. |
| certified financial fiduciary designation: Taxes and Business Strategy Myron S. Scholes, Mark A. Wolfson, Merle M. Erickson, Michelle L. Hanlon, Edward L. Maydew, Terrence J. Shevlin, 2015-01-03 For MBA students and graduates embarking on careers in investment banking, corporate finance, strategy consulting, money management, or venture capital Through integration with traditional MBA topics, Taxes and Business Strategy, Fifth Edition provides a framework for understanding how taxes affect decision-making, asset prices, equilibrium returns, and the financial and operational structure of firms. Teaching and Learning Experience This program presents a better teaching and learning experience-for you and your students: *Use a text from an active author team: All 5 authors actively teach the tax and business strategy course and provide students with relevant examples from both classroom and real-world consulting experience. *Teach students the practical uses for business strategy: Students learn important concepts that can be applied to their own lives. *Reinforce learning by using in-depth analysis: Analysis and explanatory material help students understand, think about, and retain information. |
| certified financial fiduciary designation: Retirement Reboot Mark Miller, 2023-01-10 For millions of Americans, the COVID shock has brought retirement saving to an abrupt halt—now it’s time to get back on track. Even before the pandemic, a large share of households by Americans over age 50 faced the threat that their living standards would decline sharply in retirement. In the wake of COVID-19, these numbers will surely worsen. In Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track, finance writer and regular New York Times retirement contributor Mark Miller offers practical strategies for Americans to improve their retirement prospects. If you’re nearing retirement age and worry you haven’t saved enough, Retirement Reboot will walk you through the core decisions to make now to improve your retirement outcomes—even if retirement is just a few years away. You’ll learn how to make a plan, think through the timing of retirement, optimize Social Security, navigate Medicare, build savings, and tap home equity. You’ll also explore ongoing strategies, such as careful budgeting, generating income from work even after retirement, planning for long-term care, and leveraging special assistance aimed at low-income workers. If you have low savings, or none at all, Miller’s simple steps can help you make the most of your remaining working years and reboot the retirement you always imagined. |
| certified financial fiduciary designation: Changing Faces – America’s Wealth Advisors James M. Robinson, 2007-03-28 Changing Faces - America's Wealth AdvisorsThe Place for Aspiring and Young Financial Services Professionals i.e. Young In Business |
| certified financial fiduciary designation: Financial Independence (Getting to Point X) John J. Vento, 2013-03-07 Discover the ten key issues to achieving your financial goals and how to use them to realize your dream of financial independence From saving to purchase a first car, to putting kids through college to planning for retirement, to preserving your estate for your loved ones, our financial goals change from one stage of life to the next. While those goals and the challenges we face in achieving them may differ, all of them have certain things in common. Saving, budgeting, managing debt, minimizing taxes and living within your means. These are a few of the 10 Key Wealth Management Issues which come into play (to varying degrees) when working toward specific financial goals. But there's one goal for which success relies on all ten keys coming together in perfect harmony: financial independence, also known as Point X. No matter how you define it—whether it's a retirement income of $25,000 a year, or an estate worth $250 million—your future financial independence requires that you deal effectively with all ten key issues. And now this book shows you how to get it done, along with the guidance of a trusted advisor. Supplies you with a complete roadmap for arriving at Point X, financial independence with key milestones and important twists and turns clearly defined Identifies the 10 key wealth management issues and offers priceless advice and guidance on negotiating each on your road to financial independence Provides you with both success and failure stories so you can learn from others' real life experiences Provides you with tax planning facts and strategies within the wealth management issues that will show you how to minimize your most significant expense and at the same time maximize your savings on the road to your Point X |
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