Investing in Your Future

ISBN 13: 9780970828521

Investing in Your Future

 
9780970828521: Investing in Your Future
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Never before available to the general public, this book constitutes one of the best kept secrets of financial planning. Since 1987, approximately 300,000 corporate employees have received Investing in Your Future as part of planning programs delivered by Ayco, the nation's oldest and largest firm devoted to fee-based (objective) financial counseling. Beginning in 2002, however, this invaluable guide to all aspects of personal finance for the lay person is available to the general public. The 35-page section on investing could be considered worth the price of admission, because it gives the average investor a clear picture of how to set up short-term and long-term investing plans to reach goals. Updated annually, and with a special emphasis on taking action (each chapter contains helpful tables and charts, easy-to-use worksheets and an action checklist) and on getting the most from corporate benefits such as 401(k) plans, stock options, flexible spending accounts, Investing in Your Future is a treasury of tried and true planning advice, well-presented information and useful tools.

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About the Author:

Since its founding in 1971, The Ayco Company (named after founders Bill Aydelotte and Jim Conway, the "Ay" and "Co" of the company's name) has virtually defined the field of fee-based financial planning. Having grown to a nationwide practice with a specialty in personal finance for corporate employees, Ayco's philosophy is based on the idea that planning, no matter how elegant in theory, is useless if not actualized.

Ayco, an SEC Registered Investment Advisor, maintains large, in-house technical groups -- experts on taxation, employee benefits, personal insurance and investments -- representing its commitment to staying on the cutting edge of personal finance.

Excerpt. Reprinted by permission. All rights reserved.:

There's more than a little confusion as to what financial planning is all about. Some people think it's about getting rich, and others think it's only for people who are rich to begin with. Actually, financial planning is about improving your financial security, no matter what your income level.

Financial planning is the ongoing process of identifying goals and objectives, assessing alternatives, taking action and monitoring results. It all boils down to finding answers to simple, yet important questions you may have about your finances, present and future. For instance:

--How can I lower my income taxes?

--Will I have enough to retire att 55? At 60?

--How can I pay for some, if not all, of my child's education?

In our experience, people usually don't fail to achieve their financial objectives due to one particular reason. Instead a combination of things causes them to fall short. Here are some common financial planning mistakes. Regardless of how old you are, or whether you are single or married, try to avoid these pitfalls:

--Procrastination

--Living day-to-day (that is not having any defined goals)

--Too little knowledge

--Too much debt

--Overspending

--Having "all your eggs in one basket"

--Too little insurance or the wrong kind of insurance

--Not having an emergency fund

--Not enough long-term investments for retirement purposes

--Not paying yourself first

--Not investing in yourself

--Giving up or depending on someone else

--Not having a will

--Doing things in an "all-or-nothing" way

Each chapter of this guidebook is designed to help you answer your financial-planning questions and help you avoid these common pitfalls. For example, you may be wondering whether you have enough life-insurance coverage. To help you with this question, turn to the Risk Protection chapter. There you'll find a worksheet to determine your life insurance needs, as well as a description of various life insurance products that may be appropriate for you.

The more you know about financial planning, the more you'll see how worthwhile it is. You may have some work ahead of you, but once you understand the fundamentals and have goals to reach for, you'll be on the road to gaining control of your financial future.

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Published by The Ayco Company, L.P. (2002)
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