Americans are saving no more for retirement than they did twenty years ago. Bad advice from the brokerage community, the financial media, and mutual fund companies compound the difficulty of developing a sound strategy for accumulating sufficient wealth to achieve financial independence. All this is at a time when workers have more retirement options available to them.

This book is written for people who want to do their own financial planning. Each of the chapters summarizes and list key points for easy back reference. Given the obstacles investors face from outside advisors and the author's conviction that the projected benefits from Social Security are "destined" to be reduced, the importance of financial planning is compelling.

Not every investor will have the discipline to learn to manage their own financial affairs without some outside guidance. However, sound information covering a broad range of topics of the kind Ferri has compiled in this book will greatly improve an investor's chances for success with or without outside help.

This title offers techniques for individual investors to safeguard their money, even when markets fall back. When attempting to "time" their way around market downturns, individual investors are up against thousands of professionals who are paid billions of dollars to do the same. Throw in unpredictable, marketspooking world events, and the odds against investment success can become even worse.

"Protecting Your Wealth in Good Times and Bad" shows investors how to invest for the total market, not just for individual phases, and build a portfolio to weather all markets with long-term safety and security. Full of practical advice and easy-to-understand techniques and examples, this uniquely proactive guidebook provides proven strategies to: know what news is important and act accordingly; invest for specific needs, from college savings through long-term care; and diversify assets to minimize risk and increase overall returns.

Markets go up. Markets go down. And somehow in that never-ending cycle, you have to invest and save wisely enough to keep your family safe from financial worry. Protect Your Wealth in Good Times or Bad outlines an easy to understand, practical, and market-proven financial plan calculated to grow and protect your family's savings as it substantially eases your money concerns and crises--today, tomorrow, and throughout a long, happy, and healthy retirement.

Whether you are just beginning to save for the future, already in retirement, or somewhere in between, Ferri's new book is the best investment you will ever make.

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