Table Of Contents
Chapter 1 American Dreams: Twenty-First Century American Dreams
The Challenge
Financing Your American Dream
Chances of Success
Creating Your Financial Environment
Chapter 2 Building Your Wealth Pyramid
Building Wealth by the Numbers
Open Architecture
Your Money Supply
Circulating Capital
Chapter 3 History of Money
Barter
The Goldsmiths
Chapter 4 Opportunity Cost Defined
Common Transfers Examined
Chapter 5 Choosing Your Guide along the Road to Wealth:
The Ideal Financial Professional Relationship
Conflicting Advice
Financial Planning
Your Private CFO
Performance Monitoring, Reporting, and Tracking
Self Assessment Exercise
Review and Update Periodically
Chapter 6 Financial Land Mines:
Silent Partners, Toll Takers, and Wealth Transferors Identified
The Enemies: Avoid these Lands
Know Thy Opponents: Toll Takers
Cast of Characters
- Government Spending
- Federal Bankruptcy? Is this Possible?
- Corporations
- Financial Institutions
- Inflation
- Media
- Advice: Old Myths and Wives Tales
Chapter 7 Taxes
Why Do We Have Taxes?
History of the U.S. Tax System
Dividends and Capital Gains
Compound Taxes: Reinvesting
Retirement Taxes
Chapter 8 Consumer Debts
Managing Your Debt
The Cost of Debt
Self Assessment Exercise
The Challenge
Chapter 9 Keys to Building and Protecting Wealth
The Challenge
Money Strategies
Money Decision Options: Process versus Products
Chapter 10 The Family Business
The Challenge
Expenses and Savings
Chapter 11 Insurance Strategies
The Challenge
Risk Management and Protection
Property Insurance
Auto Insurance
Health Insurance
Protect Your Income: Insure the Golden Goose
Self Assessment Exercise
Chapter 12 Life Insurance
How Did We Get Here? Life Insurance Myths Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Variable Universal Life Insurance
Mortgage and Debts
Chapter 13 Saving versus Investing
Investing Strategies
Which Vehicle Is Best?
Diversification, Guarantees, and Layered Strategies
Chapter 14 Real Estate and Mortgage Strategies
The Challenge
Financing Strategies
Prepayment Strategies
Home Equity Review
Real Estate versus Retirement Savings Plans
Home Equity versus Cash Values
Chapter 15 College Funding
The Challenge
Cost of College
What will it Cost?
Ways to Pay
Chapter 16 Retirement Strategies
Retirement Strategies Examined
Retirement Income Sources
Chapter 17 Estate and Legacy Strategies
Taxes
Liquidity Issues
Wills, Trusts, and Documents
Chapter 18 Time for Action
What Can You Do Now?
Take Action
Know Where You Stand Financially
A Call to Action
Rules to Live By
“Appendix A”
Sample Cases: Putting it All Together
Financial Inventory
Planning Issues to Consider
Potential Alternate Strategies
401(k) Retirement Plan
Mortgage Strategies: 15 Years versus 30 Years
Mortgage Strategy Potential Savings: Several Hundred Thousand Dollars
“Appendix B”
Illustration Details
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