Planning for When: A Woman’s Guide to Financial Planning

By Kevin W. Pinkley AIFA®, CDFA™, CIMA®

It doesn’t matter if they are married, divorced or single: Women tend to put others first.

It could be the result of a maternal gene or simply a natural disposition to view others as more important, but it’s an instinct that makes it more difficult to achieve financial security and independence.

Kevin W. Pinkley, a longtime financial advisor, walks women through the steps they need to take in seeking to build and preserve wealth. Learn how to:

plan for a retirement with the goal of providing a lifestyle that meets your needs;
provide for a loved one in the event of death;
minimize the financial impact of divorce or the death or disability of a spouse; and
engage in difficult conversations with your spouse about money.

Many women shrug off questions about money by saying that their spouses are smart and must have a well thought out plan that will meet their needs. But being smart is different than being wise, and women need to take charge of the future by Planning for When.

• Language: English
• Publisher: Lulu Publishing Services
• Release date: Mar 9, 2016
• ISBN: 9781483445557

Book preview

PLANNING

for WHEN

A Woman’s Guide to Financial Planning

KEVIN W. PINKLEY AIFA®, CDFA™ CIMA®

Copyright © 2016 Kevin W. Pinkley AIFA®,CDFA™,CIMA®.

Kevin W. Pinkley, AIFA®, CDFA™ CIMA®

Phone: [phone]

Toll-free: 866-375-0900

[e-mail]

www.mywealthmanagementgroup.com

All rights reserved. No part of this book may be reproduced, stored, or transmitted by any means—whether auditory, graphic, mechanical, or electronic—without written permission of both publisher and author, except in the case of brief excerpts used in critical articles and reviews. Unauthorized reproduction of any part of this work is illegal and is punishable by law.

The opinions voiced in this book are for general information only and not intended as specific advice or recommendations for any individual.

It is important that investors determine their tolerance for risk and their specific situation with a qualified advisor before making any investment decision.

Examples included in this book are for illustrative purposes only. There is no assurance that the objectives of any specific strategy will be attained. Consult the appropriate advisor for tax and legal advice.

Securities offered through LPL Financial, Member FINRA/SIPC

ISBN: 978-1-4834-4554-0 (sc)

ISBN: 978-1-4834-4555-7 (e)

Library of Congress Control Number: 2016901234

Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

Any people depicted in stock imagery provided by Thinkstock are models, and such images are being used for illustrative purposes only.

Certain stock imagery © Thinkstock.

Lulu Publishing Services rev. date: 03/01/2016

Contents

1 What’s in a Name

2 My Goal for This Book

3 Sometimes It’s Better with Two

4 My Husband Is Really Smart

5 Why Men Act Like We Do

6 Location, Location, Location

7 Pushing Buttons

8 Guess It Wasn’t in the Budget

9 What It Doesn’t Mean

10 Going Spartan

11 Ketchup and Crown Molding

12 Rolling Pennies

13 Someone Else’s Well Always Runs Dry

14 Upgrades

15 How Many Roofs Can You Afford?

16 If You’re in Charge

17 What’s Most Important?

18 Put Yourself in the Picture

19 The Rule of Three

20 A Candle or a Windmill

21 A Good Captain

22 Now What?

23 Qualities

To Mom and Dad for all the untold sacrifices. You taught me everything that is important.

To Elizabeth, Allison, and Josh. In you I see everything I have yet to become.

1

What’s in a Name

SOMEONE SUGGESTED I COULDN’T use the original title I had for this book because the title painted quite a desperate picture—a situation some women find themselves in. It would have grabbed your attention and enticed you to read the book, which is the whole point of my wanting