Resources & Recommended Reading
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The best financial planning resource you have is your common sense.
Wiser’s Recommended Reading List
We can help you select a book that is right for you and your life situation, please call 477.3355 or email us at info@wiserfinancial.com
5 Simple Financial Planning Truths
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| 1. |
If it sounds to good to be true, it is. |
| 2. |
Trust your instincts, and ask lots of questions. |
| 3. |
If you do not understand an advisor's recommendation, don't take their advice. |
| 4. |
Do not succomb to pressure - a good advisor will not pressure you to buy - they are supposed to be selling advice, right? |
| 5. |
Follow the money - the person paying the commission is the person directing your finances. |
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A Note From the SEC
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Please read the following article from the Securities and Exchange Commission Web site titled "Questions You Should Ask About Your Investments". These guys really have your best interest at heart! To view the entire article from the SEC: "Questions You Should Ask About Your Investments": click here
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Investigating a Financial Professional
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There's a reason the agencies listed below encourage consumers to check the disciplinary history of every Financial Planner, adviser or broker they plan to engage. ITS YOUR MONEY - PROTECT IT!
North American Securities Administrators Association
Phone: 202-737-0900
Web: www.nasaa.org
National Association of Insurance Commissioners
Phone: 816-842-3600
Web: www.naic.org
Financial Industry Regulatory Authority, Inc. Regulation
Phone: 800-289-9999
Web: http://www.finra.org/index.htm
National Fraud Exchange (fee involved)
Phone: 800-822-0416
Securities and Exchange Commission
Phone: 202-942-7040
Web: www.sec.gov
American Institute of Certified Public Accountants
Phone: 888-777-7077
Web: www.aicpa.org |
Interview Questionnaires
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Please visit these two web sites for excellent interview questionnaires. You should feel comfortable asking any of these questions to any prospective financial advisor. They are thorough and detailed and focus on the most important information - your advisor's education, exerience and credentialing - not the hot investment tip of the day.
Certified Financial Planner Board of Standards
Checklist for Interviewing a Financial Planner
Securities and Exchange Commission
Questions You Should Ask About Your Investments... |
Consumer Resources
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The following are excellent resource centers for financial planning and financial education. Please feel free to visit these sites to help increase your financial literacy.
Certified Financial Planner Board of Standards
CFP Board Learning Center
Securities and Exchange Commission
Investor Education Web Site (Very comprehensive)
NC State University
Consumer and Family Resources
Triangle Family Services - Free Budget and Consumer Credit Consulting
www.tfsnc.org
Crown Financial Ministries - Budget Consulting
www.crown.org
The AICPA
Financial Planning Resources
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If You Want to Get Financially Wise, Get Reading!
Wiser’s Recommended Reading List
Investing
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*Title:"The Seven Deadly Investor Illusions and 101 Truths About Money"
Authors: Mark Matson, Marc Becker – co-contributor
ISBN: 0970266871
*Complimentary copies of this book are available from Wiser Financial. Email info@wiserfinancial.com for your no-cost copy. Please include your name and mailing information.
Title:"You're Fifty-Now What?: Investing for the Second Half of Your Life"
Author: Charles R. Schwab
ISBN: 0609605623 |
Personal Finances
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Title:"9 Steps to Financial Freedom"
Author: Suze Orman
ISBN: 0609801864
Title:"Personal Finance for Dummies, Fourth Edition"
Author: Eric Tyson
ISBN: 0764525905
Title:"The Total Money Makeover: A Proven Plan for Financial Fitness"
Author: Dave Ramsey
ISBN: 0785263268
Workbook ISBN: 0785263276
Title:"The New MONEY Book of Personal Finance"
Author: Money Magazine
ISBN: 0-446-53167-7
Title:"The Wall Street Journal Guide to Understanding Money and Investing, 3rd Edition"
Author: Kenneth M. Morris, Virginia B. Morris
ISBN: 0743266331
Title:"The Everything Personal Finance Book"
Author: Peter J. Sander
ISBN: 1-58062-810-9
Title:"Alpha Teach Yourself Personal Finance"
Author: Janet Bigham Bernstel
ISBN: 0-02-863619-8 |
Attitudes About Money
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Title:"The Seven Stages of Money Maturity"
Author: George Kinder
ISBN: 0440508339
Title:"Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence"
Author: Joe Dominguez, Vicki Robin
ISBN: 0140286780
Title:"The Millionaire Next Door"
Author: Thomas J. Stanley & William D. Danko
ISBN: 0671015206
Title:"The Millionaire Mind"
Author: Thomas J. Stanley
ISBN: 0740718584 |
Retirement and Retirement Planning
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Title:"Retire & Thrive, Second Edition"
Author: Robert K. Otterbourg, Knight A. Kiplinge
ISBN: 093872164X
Title:"Retire Smart, Retire Happy: Finding Your True Path in Life"
Author: Nancy K. Schlossberg
ISBN: 1591470390
Title:"Don't Retire, REWIRE!"
Author: Jeri Sedlar
ISBN: 0028642287
Title:"New Retirementality: Planning your life and living your dreams at any age you want"
Author: Mitch Anthony
ISBN: 0793141826
Title:"101 Secrets for a Great Retirement : Practical, Inspirational, & Fun Ideas for the Best Years of Your Life!"
Author: Mary Helen
ISBN: 0737304200
Title:"What Do You Want to Do When You Grow Up?: Starting the Next Chapter of Your Life"
Author: Dorothy Cantor
ISBN: 0316127981
Title:"The Retirement Sourcebook"
Author: Mary Helen
ISBN: 0737300396
Title:"The Psychology of Retirement: How to Cope Successfully with a Major Life Transition"
Author: Everyday Psychologist
ISBN: 0966841727 |
Family Life and Money
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Title:"The Two Income Trap"
Author: Elizabeth Warren, Amelia Warren-Tyagi
ISBN: 0465090826
Title:"Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money--That the Poor and Middle Class Do Not!"
Author: Robert T. Kiyosaki
ISBN: 0446677450
Title:"Rich on Any Income: The Easy Budgeting System That Fits in Your Checkbook"
Author: James P. Christensen, Clint Combs
ISBN: 0875790097 |
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