Decades & Decisions: Financial Planning At Any Age

Decades & Decisions: Financial Planning At Any Age

by Joseph C. Conroy


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Most books offering financial planning advice focus on specific issues. Joseph C. Conroy's book takes a different, more useful approach. Each chapter focuses on a different decade of an investor's life, highlighting the important financial-planning decisions that are most likely to occur during those years. For instance, the chapter on The Early 50s addresses these issues creating a budget that helps you pay for your child or children's college; understanding the implications of 401(k)/retirement plan loans; and facing career realities. In addition, Joe explains his Buckets strategy, which he has used with hundreds of investors to help them better prepare for their retirement.This new approach helps investors better evaluate where they are in their financial planning life and how best to use their resources to build toward retirement and other key financial milestones.Joe colors practical, actionable financial advice with stories about clients who have faced the same issues he is writing about, giving readers not just a checklist of good financial advice, but sound reasoning behind such actions. As a result, readers of this book are more likely to understand the why's and how's of financial planning better.

Product Details

ISBN-13: 9781543933239
Publisher: BookBaby
Publication date: 06/04/2018
Pages: 220
Sales rank: 445,747
Product dimensions: 6.00(w) x 9.00(h) x 0.60(d)

About the Author

Joseph Conroy is a Certified Financial Planner™ professional and independent financial advisor. His articles on financial planning have been printed in various publications. He manages his independent financial planning and investment management practice near Baltimore, Maryland. He has clients in 12 states, including California, Texas and New York. Joe's practice is primarily fee based as well as has the ability to offer insurance products such as life insurance, long term care and annuities. As a fiduciary Joe takes great pride in putting his clients' best interest above all else. His passion is working closely with families, offering advice and guidance that enables them to improve their financial lives and work toward their goals.He believes the best first step toward financial improvement starts with education. Through education people can better understand why they make certain decisions with their finances. Then the process of understanding how to improve your finances can begin. When he isn't working, Joe likes to spend time with his wife and children. He also enjoys going to car shows, firing up the grill and traveling.

Table of Contents

About the Author 1

Introduction 3

20s 7

Finding a Job

Building a Budget

Getting Out of Debt

Buying a House - and Should You Become a Landlord 35

30s 41

Investing 101 - Getting Started

Life Insurance

College Savings

Buying Vs. Leasing A Car - Tips To Save Money 75

40s 79

How to Track and Improve Your Planning

Investing 201 - Diversification

Investing Mistakes to Avoid

Paying Down Your Mortgage - Is It a Good Move? 99

Early 50s 101

Building Your Buckets

How To Budget And Pay For College Expenses

Dealing With Career Uncertainty

Long Term Care - The Three Main Options 125

Late 50s 131

Why Women Tend To Be Better Investors


Charitable Giving The Efficient Way

Finding and Changing Advisors - How to Find the Right Partner 149

60s 155

The New Retirement

Recreating Your Paycheck in Retirement

Facing Facts on Vacation Properties

Active vs. Passive Management - To Index or Not 183

70s and Above 187

Required Minimum Distributions

Investing Risks for Later in Life

Effective Estate Planning

Closing Thoughts 207

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