Begin Planning Now for a Lifetime of Financial Security! Drawing on the incomparable experience of Ernst & Young LLP, the renowned leaders in financial planning, the new Ernst & Young’s Personal Financial Planning Guide, Third Edition, remains the most comprehensive and trusted source of information for taking charge of your finances and planning for a secure financial future. This practical Guide contains all the tips and investment strategies you need to make sound financial decisions. It gives you the tools to size up your situation, determine your needs, and design a plan to meet your lifetime financial goals. The Guide gives you the benefit of two books in one: Part One explains the fundamentals, showing you step by step how to set goals, build wealth, manage your finances realistically, provide for your family through estate and investment planning, and protect your assets against unforeseen events. Part Two takes a unique planning approach, focusing on significant "life events" as they affect your finances. This allows you to work on the topics that are most important to you, with specific strategies you can use for different life situations, including:Getting married • Saving for your children’s education • Buying or selling a home Dealing with aging parents • Starting a business • Planning for your retirement Plus, this updated edition covers the changes to the tax laws that affect: Long-term capital gains • Charitable donors • Individual Retirement Accounts College savings • Self-employed individuals • Home ownership
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Book Description
Editorial Reviews
From the Back Cover
Begin planning NOW for a lifetime of financial security! Drawing on the incomparable experience of Ernst & Young LLP, the renowned leaders in financial planning, the new Ernst & Young's Personal Financial Planning Guide, Third Edition, remains the most comprehensive and trusted source of information for taking charge of your finances and planning for a secure financial future. This practical Guide contains all the tips and investment strategies you need to make sound financial decisions. It gives you the tools to size up your situation, determine your needs, and design a plan to meet your lifetime financial goals. The Guide gives you the benefit of two books in one: Part One explains the fundamentals, showing you step by step how to set goals, build wealth, manage your finances realistically, provide for your family through estate and investment planning, and protect your assets against unforeseen events. Part Two takes a unique planning approach, focusing on significant "life events" as they affect your finances. This allows you to work on the topics that are most important to you, with specific strategies you can use for different life situations, including: Getting married * Saving for your children's education * Buying or selling a home Dealing with aging parents * Starting a business * Planning for your retirement Plus, this updated edition covers the changes to the tax laws that affect: Long-term capital gains * Charitable donors * Individual Retirement Accounts College savings * Self-employed individuals * Home ownership
About the Author
ERNST & YOUNG LLP’s personal financial counseling practice specializes in tailoring financial strategies for people at all income levels. The firm is the author of the bestselling Ernst & Young Tax Guide, The Ernst & Young Tax Saver’s Guide, and a wide array of books on business and financial management. Visit their website at www.ey.com, and stop by the Ernst & Young Tax & Financial Planning Corner at www.wiley.com/ey.
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Most Helpful Customer Reviews
42 of 45 people found the following review helpful:
5.0 out of 5 stars
E&Y Personal Financial Planning Guide(3rd ed.)- a good tool,
By A Customer
This review is from: Ernst and Young's Personal Financial Planning Guide (Paperback)
This 3rd edition is a useful tool for people who are either starting to understand personal financial planning or those who have years of practical experience but want the latest information available. Complex concepts are explained clearly and concisely. There are no major gaps in the information provided. The book is well organized. Part II which uses a life-event approach to financial planning will be most helpful for people beginning to understand personal financial planning or facing a major life-event.I enjoyed reading the book and found it filled with exactly the information I was seeking to improve my own personal financial planning. The format was very understandable and will allow me to continue using the book as a reference.
30 of 32 people found the following review helpful:
5.0 out of 5 stars
Ernst & Young's Personal Financial Planning Guide - 3rd Edit,
By "fayeluise" (Indiana PA) - See all my reviews
This review is from: Ernst and Young's Personal Financial Planning Guide (Paperback)
As a tax professional and tax educator, I recognized many years ago that tax & financial illiteracy is a major problem amongst taxpayers. For example, consider: 1. how many wage-earners do not even understand all the deductions posted on their pay statements -- or that net pay is not the same as taxable income; or 2. how many people do not understand that the basic tax equation is "tax liability = tax base x tax rate" -- and that tax rate alone is not enough information to calculate one's tax liability; or 3. how many people think capital gains taxes paid are a "bad thing" -- when in fact, they are frequently a "subsidy" provided to wealthier taxpayers at the expense of wage-earners; or 4. how many people are eligible for some form of deferred compensation [401(k)plan, 403(b) plan etc] but they either do not participate or do not participate fully; etc, etc, etc.In an effort to promote "Basic Tax Literacy," I highly recommend the EY-PFP Guide as a highly accessible & understandable guide for teens and above. This book makes a wonderful gift for all life events -- coming of age ceremonies, graduations, marriage, birth of child, divorce, mid-life crisis, pre-retirement, retirement. It could even serve as a textbook for certain courses and seminars.
25 of 26 people found the following review helpful:
5.0 out of 5 stars
Comprehensive and insightful advice,
By
This review is from: Ernst & Young's Personal Financial Planning Guide (Ernst and Young's Personal Financial Planning Guide) (Paperback)
I use this book basically because I am a financial planner. Some of the advice I gave out are similar to those in this book. My clients appreciate the advice, ideas and insight a lot.
This book gives you impartial, insightful and authoritative advice on almost all major topics in financial planning. It gives you not only the ideas and solutions but also the reasoning and analysis behind them. Not many authors can do that. I recommend this book to all financial planners and lay people who really care about their finances, future and well-being.
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Inside This Book
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First Sentence:
If you're concerned with keeping control of your financial future, you have lots of company. Read the first page Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
health care and insurance needs, necessary emergency care, daily coinsurance amount, paying extra principal, unified credit equivalent, gift tax marital deduction, financial planning tasks, investment planning process, retirement planning issues, pension maximization, gift tax annual exclusion, paying gift tax, maximum annual benefit, annual gift tax exclusion, marital deduction trust, tentative tax, cash value insurance, qualified state tuition program, capital gap, gross estate, financial planning issues, money market deposit accounts, testamentary letter, life insurance loans, qualified higher education expenses Key Phrases - Capitalized Phrases (CAPs): (learn more)
Big Mistakes, Lifetime Learning, New York, Young Tax Guide, After Inflation, United States, Years Hence, John Wiley, Mary Lou, Tax Act, College Board, Long-Term Government Bonds, Sallie Mae, Small Stocks, Student Loan Marketing Association, Uncle Sam, Class Shares, Debtors Anonymous, District of Columbia, Lower Risk Bonds, Medium Risk Higher Risk Cash, Qualified Domestic Trust, Young Tax Saver's Guide, Young's Retirement Planning Guide New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
If you're concerned with keeping control of your financial future, you have lots of company. Read the first page Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
health care and insurance needs, necessary emergency care, daily coinsurance amount, paying extra principal, unified credit equivalent, gift tax marital deduction, financial planning tasks, investment planning process, retirement planning issues, pension maximization, gift tax annual exclusion, paying gift tax, maximum annual benefit, annual gift tax exclusion, marital deduction trust, tentative tax, cash value insurance, qualified state tuition program, capital gap, gross estate, financial planning issues, money market deposit accounts, testamentary letter, life insurance loans, qualified higher education expenses Key Phrases - Capitalized Phrases (CAPs): (learn more)
Big Mistakes, Lifetime Learning, New York, Young Tax Guide, After Inflation, United States, Years Hence, John Wiley, Mary Lou, Tax Act, College Board, Long-Term Government Bonds, Sallie Mae, Small Stocks, Student Loan Marketing Association, Uncle Sam, Class Shares, Debtors Anonymous, District of Columbia, Lower Risk Bonds, Medium Risk Higher Risk Cash, Qualified Domestic Trust, Young Tax Saver's Guide, Young's Retirement Planning Guide New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
Citations (learn more)
This book cites 5
books:
- Tax Guide: 1994 by Ernst & Young on 16 pages
- Human Resources Services by Leadership Inc. in Front Matter
- The Ernst & Young Business Plan Guide by Ernst & Young on page 397
- Individual retirement accounts by Institute of Financial Education in Front Matter
- Estate Planning Text 7th Edition by Kaplan Financial in Front Matter
Books on Related Topics
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