A One Page Personal Finance Book

I’ve been kicking around the idea of writing an e-book on personal finance with a target audience of anyone who needs to work to pay bills and save for the future.  That’s just about everyone out there, no?  Here’s an ultra-condensed, one-page version of the book, which mainly covers “what” to do.  The other 149 pages (soon to come) will explain the “how”, “why”, “when”, and “where”.  Enjoy! Text is below. Here’s a PDF: Start Here Do This Get There.  Continue reading

What Should Your Financial Plan Really Look Like?

How should your financial plan be structured?  The graphic below shows an approach that I like to follow when working with clients (whether they are just starting out with very few assets, or quite established with significant assets).  Please note that this is not representative of a comprehensive financial plan, nor is it meant to represent your unique situation.  It’s simply a tool to help clients prioritize where to begin and how to deploy their assets most effectively.  And where exactly do we begin?  At the bottom:

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Does Your Financial Plan Look Like This?

It should. 

Why?  Because if you are saving for retirement, you need every advantage you can get; and every level of protection you can get.  As you work to earn money for your expenses, and invest your savings to reach your ultimate goal – retirement, for example – you, like the tank – could be hit with some bombs along the way.  You need a financial plan that provides protection from just about anything that life throws in front of you.  Continue reading