Your Personal Guidebook To FINANCIAL PEACE OF MIND--FOR A LIFETIME Financial uncertainty accompanies us at every stage of life--not just in the years surrounding retirement. But it doesn't have to be that way. Eric Hutchinson knows money is a key factor in maintaining a level of comfort and peace of mind, regardless of age. In The Financial Briefing, he reveals distilled wisdom based on over thirty years of professional experience and provides an overview of many of the financial and life issues everyone will face at some point. With the quick and easy-to-understand answers in this book, you…mehr
Your Personal Guidebook To FINANCIAL PEACE OF MIND--FOR A LIFETIME Financial uncertainty accompanies us at every stage of life--not just in the years surrounding retirement. But it doesn't have to be that way. Eric Hutchinson knows money is a key factor in maintaining a level of comfort and peace of mind, regardless of age. In The Financial Briefing, he reveals distilled wisdom based on over thirty years of professional experience and provides an overview of many of the financial and life issues everyone will face at some point. With the quick and easy-to-understand answers in this book, you will have the knowledge and resources needed to make money a positive force in your life. Put your money worries to rest, and learn tactics to: - develop a blueprint for your financial future - navigate critical money decisions at each stage of life - hold meaningful money conversations with family
ERIC HUTCHINSON, CFP®, has over thirty years of experience in the areas of financial planning, investments, estate planning, and tax planning. In addition to practicing as a financial planner, Eric is a speaker, author, and frequent television guest on both national and local platforms. He currently serves on several nonprofit boards, including the Arkansas Community Foundation; is active in church, community, and professional organizations; and is a graduate of Arkansas State Chamber of Commerce Leadership Institute. Eric¿s joy is working with families to help them manage financial affairs and ultimately make their dreams a reality.
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Dedication Acknowledgments Preface Introduction FINANCE 101: LAYING THE FOUNDATION I. Budgeting and Saving Basics Ch. 1: How Do I Make a Personal Budget and Stick to It? Ch. 2: How Do I Improve My Credit Score? Ch. 3: How Do I Begin Saving and Investing? Ch. 4: How Can I Grow My Savings? Ch. 5: How Can I Teach My Children Healthy Saving Habits? Ch. 6: How Can I Help My Child or Grandchild Save for College? II. Planning Basics Ch. 7: How Do I Begin Developing a Personal Financial Plan? Ch. 8: What Should My Personal Financial Plan Include? Ch. 9: How Do I Locate a Qualified Financial Planner? Ch. 10: What Questions Should I Ask Before Selecting a Financial Planner? Ch. 11: How Often Should I Update My Personal Financial Plan? FINANCE 102: COMMON SCENARIO PLANNING I. Planning for Unexpected Change Ch. 12: Do I Have the Right Insurance Coverage? Ch. 13: How Do I Respond in the Event of a Health Crisis? Ch. 14: What about Disability and Life Insurance? Ch. 15: What Should I Know about Long-Term Care? Ch. 16: How Can I Help Older Relatives Articulate Their Long-Term Care Wishes? II. Planning for Growth and Prosperity Ch. 17: What s the Difference between Growth- and Income-Oriented Investments? Ch. 18: How Do I Narrow My Investment Options? Ch. 19: What s a Municipal Bond, and How Do I Choose One Wisely? Ch. 20: How Do I Appropriately Allocate My Assets? Ch. 21: Should I Take an Active or Passive Approach to Managing My Portfolio? Ch. 22: What s My Real Rate of Return? Ch. 23: How Can I Win with My Investments Over Time? Ch. 24: What Types of Mutual Funds Should I Buy? III. Planning for Taxes Ch. 25: What Should I Do with the Money in My 401(k), 403(b), or Other Participant-Directed Account? Ch. 26: Do I Need to Take Money out of My Retirement Accounts after Seventy? Ch. 27: Do I Have to Pay Taxes on Money I Withdraw from an IRA Account? IV. Planning for the Next Generation Ch. 28: Do I Need an Estate Plan? Ch. 29: Should I Draft a Will, a Trust, or Both? Ch. 30: What are the Benefits of Using Trusts to Distribute My Estate? Ch. 31: Do I Need a Living Will? Ch. 32: Who Should Manage My Affairs If I Become Incapacitated? Ch. 33: How Can I Make Sure Death Benefit Proceeds Aren t Taxed as Part of My Estate? Ch. 34: How Can I Prevent Discord Among Family Members as My Estate is Distributed? Ch. 35: What Documents Should I Prepare in Addition to My Estate Plan? Ch. 36: How Often Should I Review My Estate Plan? V. Planning for Retirement Ch. 37: How Does Inflation Impact My Retirement Income? Ch. 38: Should I Assign Beneficiary Designations for My Retirement Accounts? Ch. 39: How Do I Transfer a Retirement Account? Ch. 40: How Do I Get the Most from My Retirement Accounts? Ch. 41: What Should I Know about the Default Investments in My 401(k) or 403(b) Plan? Ch. 42: Should I Take Social Security Before Normal Retirement Age? Ch. 43: How Much Should I Withdraw from My Retirement Account? Ch. 44: How Should I Downsize an Empty Nest? Afterword About the Author
Dedication Acknowledgments Preface Introduction FINANCE 101: LAYING THE FOUNDATION I. Budgeting and Saving Basics Ch. 1: How Do I Make a Personal Budget and Stick to It? Ch. 2: How Do I Improve My Credit Score? Ch. 3: How Do I Begin Saving and Investing? Ch. 4: How Can I Grow My Savings? Ch. 5: How Can I Teach My Children Healthy Saving Habits? Ch. 6: How Can I Help My Child or Grandchild Save for College? II. Planning Basics Ch. 7: How Do I Begin Developing a Personal Financial Plan? Ch. 8: What Should My Personal Financial Plan Include? Ch. 9: How Do I Locate a Qualified Financial Planner? Ch. 10: What Questions Should I Ask Before Selecting a Financial Planner? Ch. 11: How Often Should I Update My Personal Financial Plan? FINANCE 102: COMMON SCENARIO PLANNING I. Planning for Unexpected Change Ch. 12: Do I Have the Right Insurance Coverage? Ch. 13: How Do I Respond in the Event of a Health Crisis? Ch. 14: What about Disability and Life Insurance? Ch. 15: What Should I Know about Long-Term Care? Ch. 16: How Can I Help Older Relatives Articulate Their Long-Term Care Wishes? II. Planning for Growth and Prosperity Ch. 17: What s the Difference between Growth- and Income-Oriented Investments? Ch. 18: How Do I Narrow My Investment Options? Ch. 19: What s a Municipal Bond, and How Do I Choose One Wisely? Ch. 20: How Do I Appropriately Allocate My Assets? Ch. 21: Should I Take an Active or Passive Approach to Managing My Portfolio? Ch. 22: What s My Real Rate of Return? Ch. 23: How Can I Win with My Investments Over Time? Ch. 24: What Types of Mutual Funds Should I Buy? III. Planning for Taxes Ch. 25: What Should I Do with the Money in My 401(k), 403(b), or Other Participant-Directed Account? Ch. 26: Do I Need to Take Money out of My Retirement Accounts after Seventy? Ch. 27: Do I Have to Pay Taxes on Money I Withdraw from an IRA Account? IV. Planning for the Next Generation Ch. 28: Do I Need an Estate Plan? Ch. 29: Should I Draft a Will, a Trust, or Both? Ch. 30: What are the Benefits of Using Trusts to Distribute My Estate? Ch. 31: Do I Need a Living Will? Ch. 32: Who Should Manage My Affairs If I Become Incapacitated? Ch. 33: How Can I Make Sure Death Benefit Proceeds Aren t Taxed as Part of My Estate? Ch. 34: How Can I Prevent Discord Among Family Members as My Estate is Distributed? Ch. 35: What Documents Should I Prepare in Addition to My Estate Plan? Ch. 36: How Often Should I Review My Estate Plan? V. Planning for Retirement Ch. 37: How Does Inflation Impact My Retirement Income? Ch. 38: Should I Assign Beneficiary Designations for My Retirement Accounts? Ch. 39: How Do I Transfer a Retirement Account? Ch. 40: How Do I Get the Most from My Retirement Accounts? Ch. 41: What Should I Know about the Default Investments in My 401(k) or 403(b) Plan? Ch. 42: Should I Take Social Security Before Normal Retirement Age? Ch. 43: How Much Should I Withdraw from My Retirement Account? Ch. 44: How Should I Downsize an Empty Nest? Afterword About the Author
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