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| financial consultant equitable advisors: The White Coat Investor James M. Dahle, 2014-01 Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a Backdoor Roth IRA and Stealth IRA to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place. - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research. - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books This book should be in every career counselor's office and delivered with every medical degree. - Rick Van Ness, Author of Common Sense Investing The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk. - Joe Jones, DO Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis. - Dennis Bethel, MD An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust. - Greg E Wilde, M.D Scroll up, click the buy button, and get started today! |
| financial consultant equitable advisors: Let's Get Real or Let's Not Play Mahan Khalsa, Randy Illig, 2008-10-30 The new way to transform a sales culture with clarity, authenticity, and emotional intelligence Too often, the sales process is all about fear. Customers are afraid that they will be talked into making a mistake; salespeople dread being unable to close the deal and make their quotas. No one is happy. Mahan Khalsa and Randy Illig offer a better way. Salespeople, they argue, do best when they focus 100 percent on helping clients succeed. When customers are successful, both buyer and seller win. When they aren't, both lose. It's no longer sufficient to get clients to buy; a salesperson must also help the client reduce costs, increase revenues, and improve productivity, quality, and customer satisfaction. Elevate your career with this essential guide for sales professionals and entrepreneurs alike. |
| financial consultant equitable advisors: Success as a Financial Advisor For Dummies Ivan M. Illan, 2018-11-13 A must-have reference for financial advisors In step-by-step detail, Success as a Financial Advisor For Dummies covers how a current or would-be financial advisor can maximize their professional success through a series of behaviors, activities, and specific client-centric value propositions. In a time when federal regulators are changing the landscape on the standard of care that financial services clients should expect from their advisors, this book affords professionals insight on how they can be evolving their practices to align with the regulatory and technological trends currently underway. Inside, you’ll find out how a financial advisor can be a true fiduciary, how to compete against the growing field of robo-advisors, and how the passive investing trend is actually all about being an active investor. Additionally, you’ll discover time-tested advice on building and focusing on client relationships, having a top advisor mindset, and much more. Master the seven core competencies Attract and win new business Pick the right clients Benchmark your performance Start your own firm Brimming with practical expert advice, Success as a Financial Advisor For Dummies is a priceless success tool for any wannabe or experienced financial advisor. |
| financial consultant equitable advisors: Ernst & Young's Personal Financial Planning Guide Ernst & Young LLP, Martin Nissenbaum, Barbara J. Raasch, Charles L. Ratner, 2004-10-06 If you want to take control of your financial future and unlock thedoors to financial success, you must have a plan that will allowyou to find good investments, reduce taxes, beat inflation, andproperly manage money. Whether you're new to financial planning or a seasoned veteran,this updated edition of Ernst & Young's Personal FinancialPlanning Guide provides valuable information and techniques you canuse to create and implement a consistent personalized financialplan. It also takes into consideration the new tax rules thataffect home ownership, saving for college, estate planning, andmany other aspects of your financial life. Filled with in-depth insight and financial planning advice, thisunique guide can help you: * Set goals * Build wealth * Manage your finances * Protect your assets * Plan your estate and investments It will also show you how to maintain a financial plan inconjunction with life events such as: * Getting married * Raising a family * Starting your own business * Aging parents * Planning for retirement Financial planning is a never-ending process, and with Ernst &Young's Personal Financial Planning Guide, you'll learn how totailor a plan to help you improve all aspects of your financiallife. |
| financial consultant equitable advisors: The History of Financial Planning E. Denby Brandon, Jr., H. Oliver Welch, 2009-09-17 The first book to provide a comprehensive history of the financial planning profession The financial services field has been revolutionized in the last quarter of the twentieth century by the financial planning profession. So much has happened in so little time that it has been difficult to keep up with the events and key players that make up the world of financial planning. The History of Financial Planning is the first book to provide a comprehensive history of the profession. Backed by the Financial Planning Association, The History of Financial Planning offers a clear overview of the industry and how it has grown and changed over the years. This book chronicles the history of the profession, with explanations of how the financial planning movement has grown beyond the United States to other countries-particularly in the last fifteen years. The book also demonstrates how the work of key researchers, such as Dr. Daniel Kahneman, Vernon Smith, and Amos Tversky, has influenced the rise of the financial planning profession Names four initial engines of growth that contributed to the success of financial planning Reveals the moments and key players that define the history of financial planning Discusses the emergence of the Financial Planning Association (FPA) The financial planning field has a rich history, and with this book as your guide, you'll quickly discover how it has evolved over the years. |
| financial consultant equitable advisors: Delivering Massive Value Matthew Jarvis, 2022-11-10 If all the practice consultants and marketing experts have such great ideas to share, why aren't they using them to run their own successful practices? Finally, a book that offers not just ideas but proven strategies for transforming any financial practice into a highly effective value-delivering machine. Practicing financial advisor Matthew Jarvis uses these exact strategies to run his own wildly successful investment firm. Delivering Massive Value outlines a system you can actually replicate to increase your business's efficiency, attract more A-level clients, and build the practice of your dreams. You'll find: Client scripts your team can use today The trials and tribulations of Jarvis' rise to success Simple but powerful ways to consistently offer your clients more value (while taking more vacations) Everything the investment gurus won't tell you about what really works Running a top-class investment practice doesn't mean playing the stock market, it means working with a winning system. Say goodbye to underwhelming accounts, after-hours appointments, and endless frustration-with Delivering Massive Value, you'll learn a reliable system that will help you deliver more value to your clients than you ever thought possible. |
| financial consultant equitable advisors: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| financial consultant equitable advisors: Decolonizing Wealth Edgar Villanueva, 2018-10-16 Decolonizing Wealth is a provocative analysis of the dysfunctional colonial dynamics at play in philanthropy and finance. Award-winning philanthropy executive Edgar Villanueva draws from the traditions from the Native way to prescribe the medicine for restoring balance and healing our divides. Though it seems counterintuitive, the philanthropic industry has evolved to mirror colonial structures and reproduces hierarchy, ultimately doing more harm than good. After 14 years in philanthropy, Edgar Villanueva has seen past the field's glamorous, altruistic façade, and into its shadows: the old boy networks, the savior complexes, and the internalized oppression among the “house slaves,” and those select few people of color who gain access. All these funders reflect and perpetuate the same underlying dynamics that divide Us from Them and the haves from have-nots. In equal measure, he denounces the reproduction of systems of oppression while also advocating for an orientation towards justice to open the floodgates for a rising tide that lifts all boats. In the third and final section, Villanueva offers radical provocations to funders and outlines his Seven Steps for Healing. With great compassion—because the Native way is to bring the oppressor into the circle of healing—Villanueva is able to both diagnose the fatal flaws in philanthropy and provide thoughtful solutions to these systemic imbalances. Decolonizing Wealth is a timely and critical book that preaches for mutually assured liberation in which we are all inter-connected. |
| financial consultant equitable advisors: Money & Divorce Lili Vasileff, 2017 This book is, in essence, a step-by-step roadmap of everything you need to know about the financial aspects of divorce. It is a great resource to initiate self-empowerment and take control over your divorce. |
| financial consultant equitable advisors: How to Protect Your Family's Assets from Devastating Nursing Home Costs K. Gabriel Heiser, 2006 Written by an elder law attorney with over 23 years experience, this book will help anyone with a family member faced with a long-term stay in a nursing home who wishes to preserve at least some of their assets by qualifying for the Medicaid program. You dont have to be broke to qualify! For the first time ever, the inside secrets of high-priced estate planning and elder law attorneys are revealed. Includes a summary of all income and asset rules for both married and single individuals, together with numerous examples and several case studies, which take the reader through the same thought processes that an experienced elder law attorney would go through when analyzing a real-life clients situation. The book includes tips on: how to title your home so you do not lose it to the state; how to make transfers to family members that wont disqualify you from Medicaid; how annuities make assets disappear; smart tricks for spending down your assets; what to change in your will to save thousands of dollars if your spouse ever needs nursing home care; avoiding the states reimbursement claim following the nursing home residents death; and much more. Completely up-to-date, the book includes the massive changes made by the Deficit Reduction Act of 2005 as well as the December 2006 Tax Relief and Health Care Act amendments. |
| financial consultant equitable advisors: Delusional Altruism Kris Putnam-Walkerly, 2020-03-24 How you give matters. Discover philanthropic strategies for creating transformational change. Whether you regularly donate to charity, run a small family foundation, or are responsible for millions of dollars in grants, you are a philanthropist. Delusional Altruism: Why Philanthropists Fail To Achieve Change and What They Can Do To Transform Giving looks at how you can create transformational change. It reminds us that how we give is as important as the amount we give. The author describes common practices that hinder transformational change and explains how to avoid them, ensuring that your gifts help create the impact you seek. Delusional Altruism—a set of all-too-common errors in philanthropic strategy—can derail a program of giving and result in a loss of efficiency and effectiveness. This book asks philanthropists and charitable organizations to consider whether they have fallen under the spell of Delusional Altruism. Are you cutting out impactful giving in order to save money or avoid uncertainty? Is your philanthropic approach unnecessarily restricted by traditional thinking? This book will help you answer these questions and determine how you can achieve better outcomes through the process of Transformational Giving. Ask questions that spur learning and fuel innovation Believe that investment in yourself and your operation is important Increase the speed of your actions to increase the impact of your giving Give in ways that create lasting, sustainable change Follow strategies to make your philanthropy unstoppable Although enhanced opportunities for philanthropic giving are on the horizon, changes to philanthropic practice are needed to prevent this philanthropy boom from becoming under-leveraged. Implementing updated approaches now can lead to positive change for the future. Read Delusional Altruism to learn how you can transform reality with strategic giving. |
| financial consultant equitable advisors: Give Smart Thomas J Tierney, Joel L. Fleishman, 2011-03-29 A decade ago, Thomas J. Tierney left Bain & Company to cofound The Bridgespan Group, a nonprofit focused on helping donors and nonprofit leaders to develop and execute strategies to accelerate social change. In Give Smart, Tierney pools his hands-on knowledge with Duke professor Joel L. Fleishman's expertise to create a much-needed primer for philanthropists and the nonprofit organizations they support. Drawing from personal experiences, research spanning twentieth- and twenty-first-century philanthropy, contemporary interviews, and Bridgespan's extensive field work, Give Smart presents the definitive guide to engaged philanthropy. |
| financial consultant equitable advisors: Prudent Practices for Investment Stewards Fiduciary360, 2006 This book details a prudent investment process for Investment Stewards--persons who have the legal responsibility for managing someone else's money, including trustees and investment committee members. It is used in conjunction with Fiduciary360's training programs in fiduciary responsibility. |
| financial consultant equitable advisors: The Next Millionaire Next Door D. J. D. Stanley, D Stanley D Fallaw, 2018-10-01 Over the past 40 years, Tom Stanley and his daughter Sarah Stanley Fallaw have been involved in research examining how self-made, economically successful Americans became that way. Despite the publication of The Millionaire Next Door, The Millionaire Mind, and others, myths about wealth in American still abound. Government officials, journalists, and many American still tend to confuse income with wealth. A new generation of household financial managers are hearing from so-called experts in personal financial management due to the proliferation of the cottage industry of financial blogs, podcasts, and the like. In many cases, these outlets are simply experiences shared without science, case studies without data based on broader populations. Therefore, the authors decided to take another look at millionaires in the United States to examine what changes could be seen 20 years after the original publication of The Millionaire Next Door. In this book the authors highlight how specific decisions, behaviors, and characteristics align with the discipline of wealth building, covering areas such as consumption, budgeting, careers, investing, and financial management in general. They include results from quantitative studies of wealth as well as case studies of individuals who have been successful in building wealth. They discuss general paths to building wealth on your own, focusing specifically on careers and lifestyles associated with each path, and what it takes to be successful in each. |
| financial consultant equitable advisors: The Complete Guide to Creating a Special Needs Life Plan Hal Wright, 2013-07-28 The purpose of special needs planning is to create the best possible life for an adult with a disability. This book provides comprehensive guidance on creating a life plan to transition a special needs child to independence or to ensure they are well cared for in the future. Beginning with a vision of a meaningful life for the child, Hal Wright explains how to form a practical plan to reach these goals, how to mentor personal empowerment and task skills, and how to create circles of support to sustain a life plan. He next looks at employment and residential options, and government programs available in the United States. Finally he talks the reader through important financial and legal considerations, including how to fund and manage a special needs trust. This book will be essential reading for all parents or guardians of a child with a cognitive, mental or physical impairment. It will also be of interest to attorneys, financial planners, insurance agents, trust officers and other professionals looking to better serve the special needs community. |
| financial consultant equitable advisors: Winning at Retirement Patrick Foley, Kristin Hillsley, 2022-03 About half of American retirees describe their post-work years as the best time of their life. Winning at Retirement is a step-by-step guide to ending up among that happy half. Authors Pat Foley and Kristin Hillsley take a practical, inspirational, and entertaining look at the process of seeking happiness in the last-and potentially best-period of life.Winning offers plain language advice on matters like Social Security, Medicare, and investing. But it also emphasizes the importance of seeking a meaningful identity in the senior years, and describes how to do so. What truly sets the book apart is the crafting of a Retirement Happiness Map, a simple but powerful method for planning all aspects of a blissful retirement. Today's retirees are plugged-in. They have smart phones, are internet savvy, and follow their grandchildren on Facebook. Winning takes a thoroughly modern look at the subject, describing web tools, apps, TED talks, and the vast world of resources that are at your fingertips in a quest for financial stability, health, and purpose. Step inside, you won't be disappointed. |
| financial consultant equitable advisors: Advising the Family Owned Business Nicholas Smith, 2017 Family businesses form the backbone of the UK economy. They also provide the bedrock of the business client base of most professional firms. This book examines the legal issues of particular relevance to family owned businesses. Often those issues stem from underlying family dynamics. Therefore advisors, be they legal financial or management need to be aware of the complexity created by these factors as well as the legal and commercial issues. The book contains an introduction to the key elements of family business thinking that have emerged over the last 30 years or so, to explain these dynamics and links these to relevant areas of professional practice. A key challenge is that professionals increasingly operate from ever narrower silos of specialisation, whereas the needs of their family business clients cross many practice areas. The book is intended to provide practitioners with an overview of family business issues from adjacent practice areas to their own, to help them offer rounded advice to family business clients. Accordingly the book will be relevant to other professionals and to those directly engaged in their own family businesses. [Subject: Trade Law, UK Law, Labor Law, Family Law] |
| financial consultant equitable advisors: How to Become a Successful Financial Consultant Jim H. Ainsworth, 1997-02-04 Everything you need to know to succeed in today's fastest growingsector of the consulting market. Jim Ainsworth is an extremely successful financial planningprofessional with more than 30 years in the business. In How toBecome a Successful Financial Consultant, he tells you everythingyou need to know to move into financial consulting. He familiarizesyou with all the types of planning that financial consultants dealwith, as well as the various investment vehicles. And, based on hisown experiences and those of other successful financial consultantsacross the nation, he supplies you with a proven blueprint forsuccess. You get expert advice, guidance, and insiders' tips on howto: * Get the education, experience, and licensing you need to qualify. * Get certified (and whether you need to). * Develop a surefire success plan. * Set up a practice and attract clients. * Network, market, and sell your services. * Set fees and collect other forms of compensation for yourservices. * Avoid the 10 most common mistakes that beginners make. * Get the most out of meetings and professional conferences. Written by Jim Ainsworth, a financial planning professional with 30years in the business, this valuable guide provides professionalsinterested in making the move into financial consulting witheverything they need to know to make a living investing otherpeople's money. Drawing on his personal experiences and those of colleagues acrossNorth America, Ainsworth covers all the bases. He begins bydescribing the three major groups of financial planners and theseven different styles of asset management and helps you to decidewhich is right for you. You find out all about the various types offinancial planning that most consultants deal with--includingestate planning, retirement planning, and family financialplanning--and the best investment vehicles currentlyavailable. Ainsworth then cuts to the chase and provides the nuts-and-boltsinformation you need to make it as a financial adviser. Writing ina down-to-earth style, he tells you what type of education andexperience you need to become an effective financial consultant,how to become licensed, how to get started in business, how to setfees and receive compensation, how to market your services andpromote different financial instruments, and much more. He showsyou how to develop a surefire success plan, and he supplies expertadvice and guidance on how to avoid the top 10 beginners'mistakes. Throughout this book, Ainsworth advocates taking a holisticapproach to financial planning--one that takes into considerationnot just people's differing needs, but their contrasting attitudesabout money and investments. To that end, he provides insightfulprofiles of the different types of money personalities in thefinancial world and shows you how to identify and successfully workwith each type. How to Become a Successful Financial Consultant is your completeguide to making it in today's fastest growing sector of theconsulting market. |
| financial consultant equitable advisors: Cairo Pop Daniel J. Gilman, 2014 In addition to providing a clear Egyptian musical history as well as a succinct modern political history of the nation, Cairo Pop elevates the aural and visual aesthetic of shababiyya—and its role in the lives of a nation’s youth. -- |
| financial consultant equitable advisors: The Couple's Retirement Puzzle Roberta Taylor RNCS, M.Ed, Dorian Mintzer M.S.W., Ph.D, 2014-08-05 The essential retirement planning book, including the ten key conversations couples should have to create a happy, healthy, and successful retirement! Retirement can be the best time of your life, but for couples, there's far more to it than cashing in on your 401(k). The most important asset you have during retirement is each other, yet many couples aren't sure where to begin or how to plan for retirement. The Couple's Retirement Puzzle reveals the ten key conversations couples should tackle before retirement to ensure a rewarding second half of life together, including: Do we have enough money to support the lifestyle we want? Should we retire simultaneously or separately? Do we stay put or explore new frontiers? How will we balance time together and time apart? And more! Filled with smart practical advice, engaging anecdotes, and helpful exercises, The Couple's Retirement Puzzle is a marriage book for couples that will guide you and your partner to a fulfilling, happy retirement you can enjoy and celebrate together. |
| financial consultant equitable advisors: Changing Faces – America’s Wealth Advisors James M. Robinson, 2007-03-28 Changing Faces - America's Wealth AdvisorsThe Place for Aspiring and Young Financial Services Professionals i.e. Young In Business |
| financial consultant equitable advisors: The Art of the Rollover Jac Arbour, 2020-06-15 Welcome to The Art of the Rollover. If you are in the throes of a career transition, this guide is for you. Its dual goal is to raise your financial IQ and empower you to plan and lead a rich and happy life, no matter how much money you have. What makes this guide unique is its approach to planning a career transition-and a life path-through a combination of mindfulness and information. It will help you to choose a career or small business based on no less than your life's purpose and make the most of your 401(k) and/or other retirement savings in light of your own life plan.By the time you've finished reading this guide and following its action steps, you'll have a plan of action to mindfully manage your career transition, the information and guidance you need to make the most of your retirement savings, and most important, both clarity and confidence in your decisions. You'll also find yourself gently nudged toward a life that makes you happy.Imagine waking up every day loving the work you're about to do. Imagine sleeping well at night knowing you have a powerful and effective life plan to maximize your financial position. Millions of people have done it, and it's the intention of this guide to make this your reality as well. |
| financial consultant equitable advisors: Safety-First Retirement Planning Wade Donald Pfau, 2019-10 Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan. |
| financial consultant equitable advisors: The Texas Model for Comprehensive School Counseling Programs , 2018-02-15 The Texas Model for Comprehensive School Counseling Programs is a resource to develop effective and high quality comprehensive school counseling programs that align with Texas statutes and rules governing the work of school counselors. It outlines a process for tailoring school counseling programs to meet the varying needs of students across an array of school districts through implementation of the four components of school counseling programs, Guidance Curriculum, Responsive Services, Individual Planning, and System Support. With this resource, a school counselor will learn to use campus-specific data to identify the unique needs of a campus and design a comprehensive school counseling program to meet those needs. Recognizing the important roles of the entire educational community, the Texas Model for Comprehensive School Counseling Programs provides examples of how parents, teachers, administrators, principals and school counselors can best contribute to implementation of each of the four components of comprehensive school counseling programs. It provides a developmental framework for a school counseling program curriculum that includes activities at each grade level to enhance students¿ educational, career, personal and social development. |
| financial consultant equitable advisors: Sustainability for the Rest of Us John Pabon, 2020-08-05 Everything we've been doing to save the Earth is wrong.Well, maybe not exactly wrong. But, we have been doing a lot of things the wrong way. Whether that's the dreadlocked eco-warrior pushing environmentalism to the fringes of society, media scaring the bejesus out of us with their images of a dystopian future, or the myths negatively impacting our psyche, we've become overwhelmed, desensitized, and apathetic.But, there's so much we can do if we just approach things a little differently.In Sustainability for the Rest of Us, John Pabon thinks back on his nearly two decades in the business to take a no-holds-barred, unorthodox look at what we need to change, why we need to change it, and practical steps everyone can take to make it happen. At its core, this isn't a book about saving the polar bears or hugging the trees. It's about changing the way you view your role in building a better future for yourself, your children, and those cute little kids in the graduating class of 3045.Described as a ?foundational read for practical sustainability in the 21st century, and perfectly articulating what many practical sustainability leaders speculate constantly regarding what is wrong with today's variant of sustainability, the question is, are you ready to cut the BS and get to work? |
| financial consultant equitable advisors: The Price You Pay for College Ron Lieber, 2021-01-26 Named one of the best books of 2021 by NPR New York Times Bestseller and a New York Times Book Review Editor’s Choice pick “Masterly . . .represents an extraordinary achievement: It is comprehensive and detailed without being tedious, practical without being banal, impeccably well judged and unusually rigorous.”—Daniel Markovits, New York Times Book Review “Ron Lieber is a gift.”—Scott Galloway The hugely popular New York Times Your Money columnist and author of the bestselling The Opposite of Spoiled offers a deeply reported and emotionally honest approach to the biggest financial decision families will ever make: what to pay for college—a decision made even more confusing because of the Covid-19 pandemic. Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers. While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t. Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent. |
| financial consultant equitable advisors: May You Drink from the Saucer Jac Arbour, 2013-09-21 The personal development and self-improvement field is a virtual ocean brimming with great ideas and sound advice, but who has the time to wade through it all? With the desire to share his findings, author Jac Arbour explored and distilled this extensive body of information-- he has filtered it through his own experiences with success and those of highly successful people to extract the most potent drops. May You Drink from the Saucer presents the most impactful concepts and habits that have delivered results for successful people, throughout history and across pursuits. At age twenty-one, Jac Arbour met a worldclass entrepreneur who forever changed his way of thinking. After numerous conversations that touched on just about everything--family, achievement, happiness, success, significance, and more--Arbour's new confidant gave him a life-changing instruction: seek out people who can serve as mentors. If you do this in your life, he promised, your cup will overflow. Arbour began to channel his natural zeal for learning toward finding more golden drops in the vast ocean of ideas and strategies. He devoured insightful books and, following his first mentor's advice, Arbour surrounded himself with people more knowledgeable than himself in many important arenas: relationship building, philanthropic giving, wealth creation, life philosophy, business strategy, and networking and interpersonal connections. The pieces of wisdom he acquired are nothing less than timeless truths--ever-workable principles of success that have already led millions of people to lives of meaning and fulfillment. May You Drink from the Saucer is your starting point for a life overflowing with learning, growth, and fulfilled dreams! These timeless truths and practical ways to apply them will serve you right away and for the rest of your life. |
| financial consultant equitable advisors: Career Asset Management Michael Haubrich, 2014 With more than 30 years as a financial planner, Michael Haubrich, CFP(R) shares how he has helped others view their career as a vital, thriving asset on par with other financial asset classes that deserves the same level of investment, attention and development. In this book you'll learn how others have extended the earning power of their career asset and achieved improved work+life fit and career satisfaction. This is a definitive read for financial planners, career coaches and counselors, and anyone who wants to develop, manage, and optimize their career asset. |
| financial consultant equitable advisors: Common Financial Sense: Simple Strategies for Successful 401(k) & 403(b) Retirement Plan Investing Harris Nydick Cfp(r), Greg Makowski Cfp(r), 2018-04-09 The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. Your future isn't going to pay for itself. Common Financial Sense will give you the knowledge you need to fund the retirement you deserve. Common Financial Sense helps you to better understand your 401(k) or 403(b) plan and how to save smarter for your retirement. Common Financial Sense lays out the basics of 401(k) and 403(b) planning in simple, easy to understand language. With the guidance of nationally recognized investment experts Harris Nydick and Greg Makowski, you'll learn how to: Choose the investments best suited for you Make other important choices that are appropriate to your stage of life Identify common misconceptions about retirement planning Calculate the optimum amount to save each year Be calm in the face of market fluctuations Get to retirement with a large enough nest egg When it comes to investing for your future, many people don't even know where to begin or what questions to ask. Common Financial Sense is your starting point. |
| financial consultant equitable advisors: Your Money Ratios Charles Farrell J.D., LL.M., 2010-12-28 A leading financial adviser offers a groundbreaking and simple approach to tackling personal finance by breaking down formulas used by the most successful businesses. A troubled economy calls for answers. People need sound, easy-to-follow financial advice that can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include: ? The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65 ? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings ? The Education-to-Average-Income Ratio: the amount of education- related debt you can safely incur based on anticipated average earnings after obtaining your degree |
| financial consultant equitable advisors: Consulting Success Michael Zipursky, 2018-10-16 How can you take your skills and expertise and package and present it to become a successful consultant? There are proven time-tested principles, strategies, tactics and best-practices the most successful consultants use to start, run and grow their consulting business. Consulting Success teaches you what they are. In this book you'll learn: - How to position yourself as a leading expert and authority in your marketplace - Effective marketing and branding materials that get the attention of your ideal clients - Strategies to increase your fees and earn more with every project - The proposal template that has generated millions of dollars in consulting engagements - How to develop a pipeline of business and attract ideal clients - Productivity secrets for consultants including how to get more done in one week than most people do in a month - And much, much more |
| financial consultant equitable advisors: Series 7 Study Guide Series 7 Exam Prep Review Team, 2017-11-07 Series 7 Study Guide: Test Prep Manual & Practice Exam Questions for the FINRA Series 7 Licence Exam Developed for test takers trying to achieve a passing score on the Series 7 exam, this comprehensive study guide includes: -Quick Overview -Test-Taking Strategies -Introduction to the Series 7 Exam -Regulatory Requirements -Knowledge of Investor Profile -Opening and Maintaining Customer Accounts -Business Conduct Knowledge & Suitable Recommendations -Orders and Transactions in Customer Accounts -Professional Conduct and Ethical Considerations -Primary Marketplace -Secondary Marketplace -Principal Factors Affecting Securities, Markets, and Prices -Analysis of Securities and Markets -Equity Securities -Debt Securities -Packaged Securities and Managed Investments -Options -Retirement Plans -Custodial, Edcation, and Health Savings -Practice Questions -Detailed Answer Explanations Each section of the test has a comprehensive review that goes into detail to cover all of the content likely to appear on the Series 7 exam. The practice test questions are each followed by detailed answer explanations. If you miss a question, it's important that you are able to understand the nature of your mistake and how to avoid making it again in the future. The answer explanations will help you to learn from your mistakes and overcome them. Understanding the latest test-taking strategies is essential to preparing you for what you will expect on the exam. A test taker has to not only understand the material that is being covered on the test, but also must be familiar with the strategies that are necessary to properly utilize the time provided and get through the test without making any avoidable errors. Anyone planning to take the Series 7 exam should take advantage of the review material, practice test questions, and test-taking strategies contained in this study guide. |
| financial consultant equitable advisors: Investment Adviser Directory , 1978-12 |
| financial consultant equitable advisors: Directory of Pension Funds and Their Investment Managers , 2008 |
| financial consultant equitable advisors: Strangers in Paradise James Grubman, James Grubman Ph D, 2013-11-01 An astonishing fact is that the vast majority of the wealthy come from middle-class or working-class backgrounds. Born and raised in modest economic circumstances, they find themselves as adults in the wonderful but unfamiliar world of wealth, like immigrants to a new land. Their adjustment is often harder than they anticipate. Yet awaiting wealth's newcomers is an even more daunting task: how to raise children and grandchildren successfully in the family's new world of affluence. Written by a prominent wealth psychologist, Strangers in Paradise takes an innovative approach to the challenges facing wealth's immigrants and natives. Combining clear reasoning with real-world stories, Strangers in Paradise outlines for the first time how the key process for families of wealth - like all immigrant families - is adaptation. |
| financial consultant equitable advisors: Divorce Is Not for Dummies Nancy A. Hetrick, 2015-12-22 Divorce - once you've made the decision, you just want to get through it as quickly and painlessly as possible. If you have kids, you'll try anything to keep them from feeling broken. But you only have one chance to do it right. You can be SMART - bring in the right experts for your divorce, gather all the information, and you'll be sure to make the decisions that are BEST for YOU. Think your lawyer will advise you on the best settlement? Think again. Filing the proper documents and protecting your rights is their job. They are not financial advisors or accountants. Divorce is NOT for Dummies is your best defense against financial loss. It puts YOU in control with the knowledge you need to confidently negotiate a win-win agreement. Nancy, a Certified Divorce Financial Analyst, shares with you strategies that have benefited her clients. You'll learn: -The documents to gather and how to get organized. -Do It Yourself, Mediation, or Lawyer Assisted? Which divorce method is right for you? -How to ensure all assets and property are accounted for and who really owns what. -How child support and alimony come into play. Don't get divorced without it! Nancy founded Smarter Divorce Solutions in 2011 after going through her own less-than-optimal divorce process. She has over 16 years of experience in both investment management and financial planning. In 2012 she joined Registered Investment Advisor firm Clarity Financial where she also provides full service financial planning and investment management. She is a Master Analyst in Financial Forensics (MAFF(TM)), a Certified Divorce Financial Analyst (CDFA(TM)), an Accredited Wealth Management Advisor (AWMA), an Accredited Asset Management Specialist (AAMS), a Chartered Mutual Fund Counselor (CMFC) and a trained mediator. Nancy holds the Phoenix, 2015 Business Owner of the Year award from the National Association of Women Business Owners, was a 2014 Finalist in the BBB Business Ethics Awards, and is a frequent volunteer for the Fresh Start Foundation for Women. For more information or to contact Nancy please visit her website at: www.SmarterDivorceSolutions.com |
| financial consultant equitable advisors: Your Dollars, Our Sense Karen Sarten, Hillgren, Kelly Digonzini, 2018-01-20 This quick read is a go-to guide for decoding the essentials of life and money. The book makes sense of a variety of topics, including credit, saving priorities, investing, home ownership, insurance, children, estate planning and more. It provides readers with relatable and simple financial advice to help navigate various life stages and major life events in a fun, informative manner without the dryness often associated with the topic. |
| financial consultant equitable advisors: Help! I Tithe, But I'm Still Broke! Hakeem J. Webb, 2008 HELP! I TITHE BUT I'M STILL BROKE! Is a groundbreaking, easy to read, easy to apply Christian guide to finances written from real life experience of applying Biblical financial principles to arise from poverty to prosperity. Hakeem J. Webb utilizes 15 years of wealth management experience as well as a lifetime of practical application to break down the mysteries of personal finance into understandable terms that are simple and easy to apply to day to day life. His application of finances to Biblical standards is not only inspiring and confidence building, but also transforming in that by following the prescribed methods, lives can come into balance and prosper. Hakeem approaches Biblical personal finances from the standpoint that believers in Christ have a special right to receive wealth and achieve goals and dreams. But this right comes with responsibility to fulfill the Great Commission in spreading the Gospel. The Biblical truths and practical strategies found in HELP! I TITHE BUT I'M STILL BROKE! Can help God's children get in a position to receive their promised inheritance, bringing readers to a full understanding of: The Prosperity of God's People; The Financial Reversal Cycle; 11 Basic Keys For Better Investing; The truth About Tithing; Money: It's Purpose and History; The Scope Of Financial Planning; Before You Say I do; God's Supernatural Cycle of Provisions; The Seed That Never Ends; Tithing at Death; and much more. This book serves as a very important primer to financial success. |
| financial consultant equitable advisors: Comprehensive Annual Financial Report California. Public Employees' Retirement System, 1998 |
| financial consultant equitable advisors: Who's who in Finance and Industry , 2001 |
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