Financial Planning e-Book Table of Contents.

Why So Much in the Financial Services Business is a Mystery……         4
Who the Players are in Financial Services Firms………….….............      5
How the Business is Structured ………………………………………..      6

Chapter Two

Where the Money Flows …………………………......………….…             9
How Financial Professionals Get Paid …………..………….…               10
The Role of the Broker Dealer ………………………………………...    11
The Role of the Custodian ………..……………………….……..             12

Chapter Three

Learning About 12 Types of Financial Professionals………...…             14
What Estate Planning is Really All About ……...………………...             18
All About Financial Planners …………………………………...…             21
Things to Look for in a Financial Professional……....……………....        27

Chapter Four

Should You Manage Your Own Investments?…………………….… 30
The Benefits of Hiring a Professional Financial Advisor………...…….. 31
Why a Little Difference in Return Makes a Big Difference in Your Retirement Income………........................................................................... 33

Chapter Five

Questions You Should Ask Your Financial Professional ……….……. 35
Things to Think About If You Want to Manage Your Money …… 36

Chapter Six

The Three Ways to Manage Money………………………….…….           37
Asset Allocation ……………………………………………….………… 38
Which Method of Managing Money Works the Best………..……..          44
Market Timing ………………………...……………………….….……….. 45
Security Selection …………………………………………….……….       46
Portfolio Optimization ………………………………....………..…             49
Simplified Example ………..…………..……………………….…..…        52
Why Optimizing Is Not Needed …...................…………….……...             57

Chapter Seven

All About Mutual Funds ………… ……………….…………….… 60
Mutual Fund Turnover and Tax Efficiency ……...…………………….… 64
All About Mutual Fund Share Classes …..…………………….… 66

Chapter Eight

Miscellaneous Investing Information …..………..……………..…            70
The Five Different Investment Risk Tolerance Categories ….…………70
Why You Should Avoid Target Funds ….………………...……..             74
About Private Money Managers ….……….……………...……………. 76
Why You Shouldn’t Invest Proceeds from Home Refinancing …….…   79
Hedge Fund Tutorial ………………………………..……..………….       80
Dollar Cost Averaging …………………..……....……...…………            83
Why You Should Avoid American Funds ……....……...…………            87
Monte Carlo Software …………...……………....……...…………            93
About Using a Discount Broker to Custody Your Money …..…………    97

Chapter Nine

About Managing Your 401(k) / 430(b) and Similar Plans…… 102
Sample Asset Allocations for 401(k) Plans ………..……………… 113

Chapter Ten

More About the Financial Services Industry………………..…            129
What Life is Like Working for Financial Professionals……....……    129
Why There’s No Jobs in the Financial Services Industry……..…        134
Everything You Need to Know About Being a CFP ………… .           134

Chapter Eleven

Summary & Miscellaneous …………………………………….....        145
How to Pass CFA (and other) Exams the First Time ….….…            145
How to Complain if You’ve Been Wronged by a Financial Advisor     148
A Short Primer on Errors and Omissions Insurance …….........           149
Getting Financial Planning and Investment Software Approved .…    150
A Couple of New Ways Professionals Can Do Honest Business        155
Fire Your BD and FINRA to Become Your Own RIA….…....….……    159
Financial Services Business Forecast…………………..…..……        168

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