This book is written to help the average person to make the right decisions about financial planning and investing. It discusses in layman’s language key issues of 5 popular investments: annuities, REITS, mutual funds, exchange traded funds, and life insurance. It also helps answer questions about reverse mortgages, life settlements, and paying off a mortgage. It tells you how to find the right accountant, the right attorney, and the right professional financial planner. Very important are the stories about financial predators. For example Vern’s experience with Jim Jones. Jones not only stole millions of people’s assets but with his Kool Aid killing over 900 people in Jonestown. The stories help you to produce guardrails and alerts to help protect your money and other assets.


AUTHOR OF
Money: Use It or Lose It- Book, 1979
“How to Choose a Financial Planner”- Article
“Getting an Investing Game Plan” – John Wiley & Sons, 2003
“The Commonsense Process of Financial Planning” – First training manual written, 1979
92 Columns for the site TheStreet.com (archives)
32 Articles for the Journal of Financial Planning
Journal American Associates of Individual Investors “How to
How Do I Know You Won’t Steal My Money- Book, 2025
“The Four Principles of Successful Investing” Physician’s Money Digest, September 2006

A street smart guide to understanding 5 financial products–annuities, mutual and exchange funds, REITs and Life Insurance and how to make the most competent financial decisions of your life, while avoiding financial predators.