TITLE -- COPYRIGHT -- ABOUT THE AUTHOR -- CONTENTS -- ACKNOWLEDGEMENTS -- SECTION I Financial Planning: An Overview -- WHAT IS PERSONAL FINANCIAL PLANNING? -- A GREATER NEED FOR FINANCIAL PLANNING -- Do I Need the Services of a Financial Planner? -- THE FINANCIAL PLANNING PROCESS -- SECTION II Examine and Diagnose: Determine Your Financial Condition -- EXAMINE YOUR FINANCIAL SITUATION -- TAKING YOUR FINANCIAL PULSE -- THINK AND GROW RICH (THE POWER OF POSITIVE THINKING) -- GOAL SETTING-DO IT NOW! -- THREE IMPORTANT FINANCIAL STATEMENTS -- PERSONAL INCOME STATEMENT -- Instructions to the Sample Income Statement -- INCOME -- INVESTMENT INCOME -- FIXED EXPENSES -- VARIABLE EXPENSES -- PERSONAL BALANCE SHEET -- Instructions to Sample Balance Sheet -- CURRENT ASSETS -- REAL ESTATE/INVESTMENTS -- PERSONAL ASSETS -- RETIREMENT FUND -- CURRENT LIABILITIES -- LONG TERM LIABILITIES -- BUDGETING -- BUDGET: PART I INCOME FORECASTING -- BUDGET: PART II EXPENSE FORECASTING -- Instructions to Sample Expense Forecasting -- THE ROLE OF INSURANCE IN FINANCIAL PLANNING -- INSURANCE CHECKLIST -- LIFE INSURANCE: A FLEXIBLE MONEY INSTRUMENT -- What Life Insurance Provides -- Two Basic Kinds of Life Insurance -- LIFE AND DEATH BENEFITS OF CASH VALUE INSURANCE -- Tax Fact -- LIFE INSURANCE-BUSINESS PLANNING APPLICATIONS -- Application #1: Traditional Split Dollar Insurance -- Application #2: Reverse Split Dollar Situation -- Application #3: Deferred Compensation Situation -- HOW TO CALCULATE YOUR LIFE INSURANCE NEEDS -- LONG-TERM CARE (LTC) -- What Is Long-Term Care? -- Who Pays for Long-Term Care? -- Why You Should Consider Long-Term Care Protection -- Benefits Provided by Individual Long-Term Care Policy: -- Cost of Long-Term Care Insurance -- INSURANCE COVERAGE SUMMARY -- SECTION III An RX for Investment and Tax Planning -- MAKING YOUR MONEY WORK FOR YOU.

SEVEN FACTORS INFLUENCING YOUR INVESTMENT DECISIONS -- QUALIFIED RETIREMENT PLANS -- QUALIFIED PLANS -- IRA Rollover: A Flexible Retirement Planning Tool -- What Is It? -- How It Works -- Annuities -- What Is an Annuity? -- What Are the Benefits? -- Types of Annuity Contracts -- Possible Uses for the Annuity Contract -- INCOME ENHANCEMENT PROGRAM -- INVESTMENT PORTFOLIO PLANNING -- THREE POINTS TO KEEP IN MIND: -- THE INVERTMENT PYRAMID -- BUILD YOUR OWN PYRAMID -- SECTION IV Planning for the Future -- COLLEGE FUNDING -- How to Avoid the Payment of Taxes in this Situation -- INFORMATION SOURCES ON COLLEGE COST AID -- SYSTEMATIC INVESTING -- THE ADVANTAGES OF SYSTEMATIC INVESTING -- RETIREMENT PLANNING -- RETIREMENT PLANNING QUESTIONNAIRE -- THE GOLDEN YEARS-WILL THEY GLITTER? -- Retirement Goals -- RETIREMENT PLANNING EXERCISE -- SOCIAL SECURITY AND MEDICARE -- Questions on Social Security -- Medicare Health Insurance Information -- Medicare Health Insurance Information -- ESTATE PLANNING -- PERSONAL ESTATE PLAN ANALYSIS -- Why a Will Is Important -- What a Will Can Do -- DO-IT-YOURSELF FEDERAL ESTATE TAX CALCULATOR -- THE LIVING TRUST: A VERSATILE ESTATE PLANNING TOOL -- What It Is -- How to Establish -- Benefits* -- PLANNED GIVING ARRANGEMENTS -- Charity Begins at Home -- SECTION V Case Studies -- MAXIMIZING INVESTMENT RETURNS -- CASE STUDY #1 -- Personal Information -- Financial Information -- Goals and Objectives -- YOUR RECOMMENDATIONS -- Observations -- Recommendations -- Results -- HELPING THE SINGLE PARENT THRIVE -- CASE STUDY#2 -- Personal Information -- Financial Information -- Goals and Objectives -- YOUR RECOMMENDATIONS -- Observations -- Recommendations -- Results -- ADDING GLITTER TO THE GOLDEN YEARS -- CASE STUDY #3 -- Personal Information -- Financial Information -- Goals and Objectives -- YOUR RECOMMENDATIONS -- Observations.

Recommendations -- Results -- PROVIDING FOR THE FUTURE -- CASE STUDY #4 -- Personal Information -- Financial Information -- Goals and Objectives -- YOUR RECOMMENDATIONS -- Observations -- Recommendations -- Results -- SECTION IV Monitor the Results -- THE FINANCIAL FITNESS EXAM -- ANSWERS TO THE EXAM -- GLOSSARY -- RESOURCES -- HOW TO CHOOSE A FINANCIAL PLANNER -- QUESTIONS TO ASK AND POINTS TO CONSIDER: -- HOW TO CONTACT A FINANCIAL ADVISOR -- APPENDIX A RECORD OF IMPORTANT FINANCIAL INFORMATION -- (APPENDIX B) COMPOUND INTEREST TABLES -- APPENDIX C TAXPAYER RELIEF ACT OF 1997 -- APPENDIX D ROTH IRA.