EVERYONE’S GUIDE TO FINANCIAL PLANNING
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Everyone's Guide To Financial Planning
WINN: When, If Not Now?
I took liberties with the last line of a famous quotation attributed to Hillel (60 B.C. - A.D. 10)and used it for the title of this book:"When, If Not Now?"The entire quotation reads:
"If I am not for myself then who is for me? If I am only for myself what good am I? If not now, when?"
The second line gave me the motivation necessary to write this book. The third line is meant togive
motivation to do something about your life.Many people feel they cannot afford professional advice when it comes to planning for theirproductive and financial future. In reality they cannot afford to be without this advice!What can advice do for me? How much will it cost (or benefit me in terms of savings)? How do Ichoose an advisor? The answers to these and other questions are found in this book.This is as close as one can get to a "do it yourself" book in a field that does not easily lend itself to the self-help concept. The purpose of this book is to educate you to the fact that you canbenefit from professional advice and to show you that such advice should
you in terms of time and dollars.However, it is up to you to choose your advisers wisely and to monitor their counsel. Rare is theperson who has not suffered at one time or another at the hands of an incompetent professionalwhether he be plumber, mechanic, investment adviser or doctor. The incompetence of anattorney dramatically changed ten years of my life -- in response I studied law. I don't suggestyou pursue surgery as a career if you have been the victim of an unnecessary operation, but studyyou must. Gather information and compare opinions before making the decisions that areultimately yours alone to make. To purchase stock solely on the recommendation of your brokeris foolish. Listen, get other opinions and check out the recommended company. This book andothers will tell you the many things you must take into consideration before choosing theinsurance, savings, investment, retirement and estate plant hat is best for you. Remember, advicein the area of financial planning must always be taken as a whole, not piecemeal, and in the lightof your unique circumstances.The purpose of this book is to educate not indoctrinate. The only point of view I wish toadvocate is the need for critical analysis. No one has your interests more at heart than you do! Noone knows your situation, your hopes, desires and needs as well as you. In the long run you andno one else is responsible for the satisfaction or disappointments you get out of life. You can