the one page financial plan

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The One Page Financial Plan

Author : Carl Richards
ISBN : 9780698184565
Genre : Business & Economics
File Size : 61. 82 MB
Format : PDF
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Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.” It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened. What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right. The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you. By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen. But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

The One Page Financial Plan

Author : Carl Richards
ISBN : 9780241971673
Genre : Business & Economics
File Size : 53. 13 MB
Format : PDF, ePub, Docs
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A simple, effective way to transform your finances and your life from leading financial advisor and New York Times columnist Carl Richards Creating a financial plan can seem overwhelming, but the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions. The One-Page Financial Plan will help you identify your values and goals. Carl Richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there. 'In a world where financial advice is (often purposely) complicated and filled with jargon, Carl Richards distils what matters most into something that is easy and fun to read' Wall Street Journal 'Feeling tormented by your finances? Read this book. Now. The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two' Manisha Thakor, CEO at MoneyZen Wealth Management Carl Richards is a certified financial planner and a columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. His first book, The Behavior Gap, was very well received, and his weekly newsletter has readers around the world. Richards is a popular keynote speaker and is the director of investor education for the BAM ALLIANCE. You can find his work and sign up for his newsletter at behaviorgap.com.

Financial Planning Diy Guide

Author : Sam Henderson
ISBN : 9781742468280
Genre : Business & Economics
File Size : 67. 91 MB
Format : PDF, ePub, Mobi
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The Behavior Gap

Author : Carl Richards
ISBN : 9781101559550
Genre : Business & Economics
File Size : 28. 84 MB
Format : PDF, Kindle
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"It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational." -From The Behavior Gap Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better. Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind. He'll help you to: • Avoid the tendency to buy high and sell low; • Avoid the pitfalls of generic financial advice; • Invest all of your assets-time and energy as well as savings-more wisely; • Quit spending money and time on things that don't matter; • Identify your real financial goals; • Start meaningful conversations about money; • Simplify your financial life; • Stop losing money! It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough." From the Hardcover edition.

Values Based Financial Planning

Author : Bill Bachrach
ISBN : 1887006036
Genre : Business & Economics
File Size : 59. 81 MB
Format : PDF, ePub
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Financial Planning 3 0 Evolving Our Relationships With Money

Author : Richard B. Wagner Jd Cfp(r)
ISBN : 1478772395
Genre : Business & Economics
File Size : 73. 19 MB
Format : PDF, ePub, Mobi
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Money is weird stuff. We cannot avoid it but it terrifies and mystifies. Most folks need help relating to it--and lots of it. Most especially, they need their own financial planner, someone who thoroughly understands money, what it is and how it works. Hence Financial Planning 3.0. Written eclectically, Financial Planning 3.0 looks at money and the financial planning profession from both the "outside in" and, perhaps more importantly, from the "inside out." It makes the case for looking at money from the perspectives of individuals and families. This is in stark contrast to money's public persona grounded in macroeconomics and investment theory. It suggests useful resources and tools for working with money helpfully, healthfully and joyfully. Finally, treating money as the most powerful and pervasive secular force on the planet and financial planning as the most important profession of the 21st century, it posits the new "liberal arts" based academic discipline of "Finology." Financial Planning 3.0 includes a proposed curriculum for an education in Finology including a "Finology Major's Handbook" together with portions of articles the author has written over the past 25 years. This book takes money out of the closet, applies a liberal arts approach to the financial planning profession and its garden of knowledge. It advances the evolution of this profession's work with money, the money forces and individuals with an eye to the future and respect for the past.

The Index Card

Author : Helaine Olen
ISBN : 9780143130529
Genre : Business & Economics
File Size : 63. 42 MB
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TV analysts and money managers would have you believe your finances are enormously complicated, and if you don't follow their guidance, you'll end up in the poorhouse. They're wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, a financial journalist, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

The Ultimate Financial Plan

Author : Jim Stovall
ISBN : 9781118107966
Genre : Business & Economics
File Size : 65. 97 MB
Format : PDF, ePub
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How to build a financial plan that really blends into your life The latest volume in the bestselling Ultimate series, Jim Stovall and Tim Maurer's The Ultimate Financial Plan: Balancing Your Money and Life is a one-stop, comprehensive, personal financial planning book exploring the intersection of money and life. The Ultimate Financial Plan examines the connection between actions, thoughts, and feelings when it comes to all things financial. The key to getting the most out of your wealth, the authors argue, is certainly found in the wise utilization of tools, like budgets, bank accounts, 401(k)s, IRAs, Roth IRAs, education savings plans, and real estate, as well as home, auto, business, health, disability, and long term care insurance, but even more so in the contentment found in balancing money's influence in our lives with personal values and goals. An insider's look into the recently humbled "Big 3"—the banks, brokerage firms, and insurance companies—and the inner workings that often set their proprietary goals and objectives above all A critical examination of the role of various financial sales people, advisors, planners, and consultants A guide to navigating Economic Bias—a conflict of interest involving money—and how it affects every financial decision we make The Ultimate Financial Plan is the application of the resources at your disposal for the purpose of living your life to the fullest, and this book will show you the quickest route to getting started on the path to ultimate success.

The Financial Planning Puzzle

Author : Jason Silverberg
ISBN : 099807750X
Genre :
File Size : 36. 27 MB
Format : PDF, Docs
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Do you feel overwhelmed by your finances? Start making smart decisions with a personal financial plan. While personal finances can be a challenge to learn, this book can help make it easy. After helping hundreds of his own clients, Jason Silverberg has condensed the best of his advice into this book and is here to help you reach financial freedom.

The Kitchen Table Financial Plan

Author : Victor S. Levy
ISBN : 1632990881
Genre : Business & Economics
File Size : 20. 18 MB
Format : PDF, Docs
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Ever been curious, frightened, or intimidated about planning your financial future? No matter what age you are, how much you earn, or where you are in life, you will find that you are not alone once you've read The Kitchen Table Financial Plan. Author Victor Levy gives us a down-to-earth, reassuring, and authoritative window into the world of personal financial planning. At the core of the book is his genuine belief that every financial plan is an honest, living document, and as such, should be worked out comfortably in the heart of the home--at the kitchen table. He shows us just how a plan is done, and how--with the right kind of planner--we'll never need to feel alone as we take on our financial future. Levy's book will show you how individuals can gain control of their financial lives by employing the services of a financial planning team--and what the process of planning can look like. Levy underscores the empathetic, professional, and highly supportive nature of the ideal planner. He obviously loves his topic and is clearly someone whose vocation is in planning and helping others. Through the story of a fictional dentist and his relatable extended family, the author painlessly introduces us to official forms, agendas, memoranda, and other documents that in any other setting might seem overwhelming. But the progress of the family as they work toward their financial freedom simultaneously provides us with an easy-to-understand lesson on attaining that same confidence and peace of mind. Read The Kitchen Table Financial Plan and you'll sleep well knowing that help with planning can be within your reach.

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