How-To Financial Planning Book for Professionals and Consumers.

For investors, the main focus is shedding light on industry problems that make it worthwhile to manage your own money. Then it teaches you how to invest better than the pros, so you can realize higher returns with less risk.

Financial advisors will learn more about achieving better investing results for clients than in any other book, website, seminar, or class. You'll also learn important things about the biz, even if you're an old veteran.

If you're a rookie or a wannabe financial pro - this could literally save your life. Any one of the nuggets of "secret" information could prevent you from making the biggest mistake of your life (getting into a business without knowing what's really going on).

It will also enlighten you on the mysteries of the financial services, financial planning, estate planning, insurance, banking, brokerage, and investment industry. It's so controversial that mainstream publishers are afraid to have anything to do with it.

See past the hyped-up facade and become educated on what the business is really about, from an insider's point of view. This is the best way to learn how the industry is organized, how to avoid common abuses, conflicts of interest, and how to navigate to make it work in your favor.

This financial planning book is a 1Mb 197-page Word document (12 point font), equivalent to a 400-page normal-sized hard-copy book (you won't receive a hard-copy money book).

Some Real World Mysteries this Financial Planning Book Reveals

· Why the business is in the state it's in, why it's all a mystery, and why there's few straight answers. Learn many secrets financial professionals don't want you to know.

· Who the players are in financial services firms. What the custodian, Broker-Dealer, and their compliance department are all about. All about the cops (BD compliance, the SEC, state regulators, and FINRA) and why they're not effective at stopping everyday abuse.

· Why Broker Dealers’ compliance departments censor most things you read so you only get their generic watered-down version of the truth. Learn who the censors are, why they do it, and how to see through it all.

· What the various types of financial professionals really are, how they actually work, get paid, and why they do what they do and say what they say.

· The differences between a financial planner, money manager, broker, stockbroker, insurance agent, registered representative, registered investment advisor, and more.

· The differences between fee-based and fee-only financial planners and investment managers.

· Questions to ask financial professionals to help you understand what type they really are.

· Which type of financial professional is the best to work with for you?

· How to tell if a financial professional wanting to manage your money is a dabbler, wannabe, rookie, or a true professional.

· Industry professional designations and what they mean. Do the letters after someone's name mean anything, or not?

· How to eliminate common conflicts of interest when working with each type of financial professional, what they really want from you, and how to avoid being taken in by slick salespeople.

· How to screen professional money managers to find a true pro for a reasonable price.

· Why stock pickers give away their recommendations on TV for free, when their clients are paying high fees for it.

· Why investment advisors have different opinions on how money should be managed.

· Why your financial consultant always wants to talk about trusts and estate planning.

· The real reason why financial advisors always say life insurance company products (e.g., insurance and annuities) are the answer to everything.

· Which financial products pay financial professionals the most (which tells why they keep talking about them instead of products that will benefit you the most).

· The true differences in the products financial professionals want to sell you. How product structures got to be the way they are.

· The real reason why your advisor recommends different products over time, and in different economic environments.

· Why your broker is really so hard to contact. It's not because they're "too busy."

· How and why financial professionals are very susceptible to the psychological disease called "affluenza," and why this is bad for you.

· Determine if you should manage your own investments, and if so, how?

· The pros and cons of managing your money yourself vs. hiring a money manager.

· Why just a little higher rate of return can make a huge difference in your standard of living at retirement.

· How to better manage risk and get higher returns in your investment portfolio.

· All about mutual funds. How to pick and screen mutual funds yourself.

· What mutual fund share class letters really mean (A, B, C, and other types shares), and why financial advisors really tout one kind over another.

· The three ways to manage money. This is critical reading for everyone to help understand money management. Learn details on which one of the three general methodologies of investment management works the best and why.

· The five investment risk tolerance categories.

· About refinancing real estate to invest.

· About Dollar Cost Averaging strategies.

· Why you should run for the hills when a financial advisor recommends refinancing your mortgage to put the freed-up money into investments.

· How to self-manage your 401(k), 403(b) or 457 retirement plans. An overview of why you should self-direct your retirement plans is here, but the details of how to do it are in this money eBook.

· How investment choices/options are made for 401(k) plans and life insurance company product subaccounts.

· How American Funds got to be a household name - it wasn't because of their long-term investment performance records. Critical reading for everyone that owns them and advisors that sell them.

· How to complain, and maybe get money back, from bad financial advisors.

· Two methods of escape from being locked into poorly performing life insurance company products (variable annuities and variable life insurance).

· About opening a discount brokerage account to manage your own money and IRA rollovers.

· What the real story is regarding "private money managers."

· All about hedge funds.

· Why you should not invest in "target funds" (asset allocation mutual funds with a year in their objective name). AKA Life Cycle Funds.

· A forecast for the financial services industry.

For Financial Professionals

· Critical tips on passing the CFA (Chartered Financial Analyst) exams the first time. If you're sitting for any of these exams (or the Bar, CPA, comprehensive CFP, etc.), then this one section will be worth more than $19.

· All about being a CFP in the Real World. This will help you decide whether or not to take the CFP (Certified Financial Planner) program.

· Six pages listing all of the reasons why you should consider firing your Broker Dealer and FINRA. Then how to become your own independent Registered Investment Advisor (RIA).

· A mutual fund primer, and why you should avoid American Funds.

· The differences between the Mom and Pop financial consulting office and larger firms with armies of salespeople. Why Mom and Pop boutiques are growing and big players are shrinking.

· Why there are rarely good jobs in the financial services industry, regardless of your education, skills, talent, experience, licenses, or background.

· What it's like working for financial planners: What they say, what they do, what they really want, what motivates them, and how and why they lie to their clients and prospects. Real-life examples of what most of them think, say, want, do, and how they run their practices. You won't believe it!

· What portfolio optimization is, the dangers, what it's used for, and why you don't need a portfolio optimizer. The differences between "pretend portfolio optimization" and real portfolio optimization.

· Why Monte Carlo software is mostly useless and should be avoided.

· All about getting financial plan software approved for use by BD compliance and FINRA. After that is a list of most all Broker Dealers with their websites and contact information.

· Tips on Errors and Omission insurance (E&O).

Price: $19

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