In a world filled with fast talk financial programs, a gyrating stock market, and conflicting analysts' reports, Charles Zhang is a voice of sense and sanity. Charles Zhang is the #1 rated financial adviser at American Express and is used in several American Express national ads. Worth magazine named him one of the top 250 financial planners for 2001. The author has a slew of financial certifications and credentials and is highly qualified to offer comprehensive financial advice.
In Make Yourself a Millionaire, the author offers a clear, rational, and well-thought-out approach to planning your entire financial life. This top financial adviser offers a comprehensive look at all aspects of financial planning. The book begins with an overview of the financial planning process with an emphasis on comprehensive financial planning. Make Yourself a Millionaire then covers every aspect of a complete financial plan:
Addressing how a portfolio should be structured across different types of asset classes to achieve a well-balanced portfolio
Covering in detail the major financial instruments such as stocks, bonds, mutual funds, annuities, cash, and REITs, and explains--without becoming too technical--what each one is and how it works
Discussing savings for specific goals, starting with "deceptive" savings and then focusing on retirement and education, the two biggest concerns for most people
Explaining the role of insurance--life, disability, and long-term care--as a key element in a well-balanced portfolio
Dedicating chapters to such key issues as tax reduction, the role of Social Security, and estate planning
Using a conversational and accessible style, readers learn how to build a well-balanced portfolio and what investments the author recommends to his clients while avoiding annoying industry jargon. The author shows the reader practical steps they can take to gain control of their financial plan, such as how to calculate your real profits and losses, how to effectively use asset allocation, positive and negative ways to begin saving money, positive portfolio "tricks," and activities (such as day trading or market timing) that work against you
Throughout the book, the author offers real-life examples based on his own clients' experiences. The author also takes into account the latest tax law changes and the newest forms of savings tools.
In Make Yourself a Millionaire, the author offers a clear, rational, and well-thought-out approach to planning your entire financial life. This top financial adviser offers a comprehensive look at all aspects of financial planning. The book begins with an overview of the financial planning process with an emphasis on comprehensive financial planning. Make Yourself a Millionaire then covers every aspect of a complete financial plan.
Using a conversational and accessible style, readers learn how to build a well-balanced portfolio and what investments the author recommends to his clients while avoiding annoying industry jargon. The author shows the reader practical steps they can take to gain control of their financial plan. Throughout the book, the author offers real-life examples based on his own clients’ experiences.
A Step-by-Step Plan that Will Meet All of Your Family's Financial Needs--Both Today and Down the Road
Make Yourself a Millionaire is unlike any personal finance book you've ever read. Instead of enticing you with can't-miss tricks for doubling your money overnight, tricks that usually only cost you money, it provides you with commonsense guidance for taking charge of every crucial financial aspect of your life--from saving and investing to life insurance, college tuition, taxes, and more.
Charles Zhang, one of today's most honored and successful financial advisors, reveals keys to improving your money smarts across the board, keys that include:
Investing strategies for shrewdly building solid and long-lasting wealth in the stock market, with surprisingly little effort
In-depth descriptions of every major type of life insurance, with the pros and cons of each
Methods for getting the most from Social Security, whether you plan on retiring tomorrow or in 30 years
Praise for Make Yourself a Millionaire:
"Charles Zhang is a true American success story. His hard work and dedication to providing highquality financial advice is legendary within American Express. This book is a great roadmap for those who want to reach their dreams. It is a must read."--Ken Chenault, Chairman and CEO, American Express
Deep down, millions of Americans suspect they should have a sensible, comprehensive financial plan. Yet even as barriers to achieving financial security increase by the day, such a plan--one that covers everything from investing to insurance to education costs to retirement--continues to remain far more the exception than the rule.
Make Yourself a Millionaire is today's most straightforward guidebook for ensuring that all of your family's financial needs are met. Award-winning financial advisor Charles Zhang--who became one of today's most successful financial advisors by stressing sane and sensible investing strategies over dubious, get-rich-quick tricks and schemes--draws on his years of experience to outline a clear and rational program guaranteed to organize and plan every aspect of your financial life.
How can you gain the huge benefits of stock market investing while minimizing the risks? What type of life insurance should you have--and how much is too much? Zhang answers these questions and more as he discusses:
Guidelines for choosing a financial advisor that is right for you--and your situation
Facts you need to know about stocks, mutual funds, bonds, annuities, REITs, and more
Asset allocation strategies for cushioning against sudden market downturns
When good investing goes bad--actual case studies of investors trying shortcuts to beat the market, and losing
All about college savings plans, and how the popular 529 plan can afford you completely tax-free asset growth
Estate planning techniques designed to save your heirs thousands of dollars in estate taxes
Everyone who has a stake in the financial markets--and, today, that pretty much means everyone--should have a fundamental grasp of what they are investing in and why. Using real-life examples, plain-English explanations, helpful worksheets, and more, Make Yourself a Millionaire provides you with a wall-to-wall understanding of what you currently own versus what you need to own, and how to make them one and the same. Combining their textbook knowledge of financial planning with the unflinching honesty and empathy that have made them two of today's most sought-after financial planners, Charles Zhang joins with wife and fellow planning professional Lynn L. Chen-Zhang to give you the knowledge you need to live a rewarding life today, while assuring yourself a long and financially comfortable retirement.
