What you need to know about Personal Financial Planning and how to use it. Investments - Assets put to work for capital appreciation and income Assets - The source of savings and future retirement Protection - Being able to keep what"s yours from loss with insurance Written to be readily accessible, Dr. Reavis has presented the material in an encyclopedic manner. The reader is taken through various types of investments, methods to build assets and an appreciation for protecting those hard earned assets from loss with insurance. Simple and concise explanations of complex areas of financial planning issues are found throughout the book. A family"s overall insurance program, which is a lifelong commitment, is its second largest expenditure after a home. Total annual insurance premiums represent roughly 25 percent of the family gross income beginning with Social Security"s taking nearly 17 percent. Individuals and families are encouraged to develop their own Personal Financial Plan using the means and methods presented. The elements of planning for your retirement, as well as for your estate are covered.