Index
401k
beneficiary
rollovers
taxes and
403b, beneficiary
529 plan
beneficiary
taxes and
A
absolute return, relative return versus
acquisition expenses
action plan
active investing, passive versus
actual cash value
adjustable rate mortgage (ARM)
administration fees
advance directives
advisors
commission-only
fee-based
fee-only
affluenza
affordability, of college
Alabama
Allen, David
Allen, James
analysis
economic
market valuation
technical market
annuitant
annuities
advantages
disadvantages
equity indexed
fixed
immediate
life-only
period-certain
tax sheltered
variable
annuity audit
appreciating asset
ARM. See adjustable rate mortgage
As a Man Thinketh
asset allocation
asset, appreciating
assets under management (AUM)
audit
annuity
auto insurance
home insurance
investment
life insurance
personal debt
AUM. See assets under management
auto insurance
auto insurance audit
Automobile (magazine)
B
back-end load
Bacon, Francis
bad debt
balance sheet
bank, as financial planner
Barnum, P.T.
base benefit
beliefs, money
beneficiary designations
Bennett, Arnold
Berkshire Hathaway
Berri, Yogi
better debt
bodily injury liability
bond ownership
bonds
risk
Bonner, Bill
Braveheart
Bretton Woods Agreement
brokerage firm, as financial planner
budget
budgeting tools
Buffett, Warren
bull market, secular
business, nature of
C
Caddyshack
capital gains tax
cash flow statement
cash flow, retirement plan
cash value
actual
building
certified financial planner (CFP)
CFP. See certified financial planner
change, fundamental and practical
charitable bequests
Christmas Vacation
coffee house investor
COLA. See cost of living adjustment
college investment plans
college student
college
paying for it
private
retirement versus
taxes and
Colton, Charles Caleb
commission
commission-only advisors
compelled
compensation, financial planner
compound interest
conversions, Roth IRAs
cost of living adjustment (COLA)
Covey, Stephen
crises, financial
criteria
D
Danko, William
death benefit expenses
debt audit, personal
debt elimination plan
debt snowball
debt
bad
better
installment
payment
revolving
deception
Defoe, Daniel
delayed gratification
designations, beneficiary
directives, advance
disability income insurance
plans
disclosure, full
discontent, danger of
distribution costs
DOPA. See durable power of attorney
Dubner, Stephen
durable power of attorney
dwelling
E
economic analysis
economic bias
annuities
bankers
college savings plans
credit card executives
financial advisor
financial planner
health care industry
insurance
insurance agent
investment advisors
investment managers
long-term care insurance
personal
tax-free investments
trusts
economics, emotions and
education
affordability
children’s
family policy
education policy
education savings plan
education savings
50 percent rule
taxes and
Efficient Market Hypothesis (EMH)
efficient markets
EIA. See equity indexed annuities
elimination period
elimination, debt
emergency reserves
Emerson, Ralph Waldo
EMH. See Efficient Market Hypothesis
emotions, economics and
Empire of Debt
employee-sponsored retirement plans
endowments
equity indexed annuities (EIA)
estate creation
estate tax
estate-planning documents
evil, money as
excess liability insurance
executor
expenses, final
F
facilitator, money as
facility benefit period
facility daily benefit
facility elimination period
family education policy
articulating
family income, sources of
FDIC. See Federal Deposit Insurance Corporation
Federal Deposit Insurance Corporation (FDIC)
fee-based account
fee-based advisors
fee-only advisors
fiduciary questionnaire
fiduciary, defined
final expenses
financial crises
financial freedom
financial past
financial planner
compensation
finding
financial planning, retirement-centric
financial statements, personal
The Financial Wisdom of Ebenezer Scrooge
FINRA
fixed annuities
flexible spending accounts (FSAs)
Forbes, Steve
Fortune
foundations
Franklin, Ben
virtues
Freakonomics
Freedom Fund
freedom, financial
front-end load
FSAs. See flexible spending accounts
fulfillment planning
full disclosure
full replacement value
fundamental change, practical and
future insurability options
G
Gekko, Gordon
Generation Debt
Getting Things Done: The Art of Stress Free Productivity
Getty, George
Getty, J. Paul
Getty, Jean Paul Jr.
Gibson, Mel
Glass-Steagall Act of 1933
goals
college student
criteria
gold standard
Goodman, Pat
graduate schools
Graham, Benjamin
gratification, delayed
Greenspan, Alan
guardian
H
Hamm, Allen
Harris, Marcus
health insurance
changes
plan types
health maintenance organizations (HMOs)
health savings accounts (HSAs)
taxes and
HEMS
high school student
HMOs. See health maintenance organizations
hoarder
home care daily benefit
home insurance audit
homeowner’s insurance
HSAs. See health savings accounts
I
I.O.U.S.A.
IAR. See investment advisor representative
immediate annuities
impelled
income
income replacement
index huggers
Individual Retirement Accounts. See IRAs
inflation protection
installment debt
insurance
auto
disability income
excess liability
health
homeowner’s
life
long-term care
umbrella
insurance company, as financial planner
intestate
investing, risk/opportunity
Investment Advisor (magazine)
investment advisor representative (IAR)
investment audit
investments, taxes and
investor, coffee house
IRA
beneficiary
conversion to Roth
non-deductible
Roth
tax privilege
traditional
traditional versus Roth
J
Journal of Financial Planning
K
Kahler, Rick
Klontz, Brad
Klontz, Ted
L
large cap stocks
last in, first out
learning
legacy plan
Legg Mason Value Trust
Leroy, Jean-Baptiste
Levitt, Steven
life insurance
needs
needs analysis
no children
purchasing
single-income household with children
two-income household
two-income household with children
types
wants
life insurance audit
life insurance policy, beneficiary
life-only annuity
LIFO. See last in, first out
liquid investment account, taxes and
loads
long-term care insurance
Long-Term Care Planning
long-term disability (LTD) insurance
long-term investing, taxes and
LTC. See long-term care insurance
LTD. See long-term disability insurance
M
maintain control
marital discount
market capitalization
market valuation analysis
markets
bull
efficient
marriage, money and
Marshall, John
Marshmallow Test
Martin, Steve
McCulloch v. Maryland
Mecham, Jesse
Medicaid
medical expenses, qualified
medical payments
Medicare
memories
mid cap stocks
Miller, Bill
The Millionaire Next Door
minimum required distribution (MRDs)
Mint
Modern Portfolio Theory (MPT)
money
beliefs
as evil
as facilitator
love of
marriage and
personal story
printing
as tool
value of
Montaigne, Michel de
more, cure for
Morningstar
mortgage
payment
tax deduction and
motorist
MPT. See Modern Portfolio Theory
MRD. See minimum required distribution
mutual funds
myths, taxes
N
NAPFA. See National Association of Personal Financial Advisors
National Association of Personal Financial Advisors (NAPFA)
nature of business
The New Coffee House Investor
no-commission
non-deductible IRAs
O
O’Donohue, John
occupation
opportunity/risk investing
other structures
P
P/E ratio. See price/earnings ratio
The Paper Chase
passive investing, active versus
Patzer, Aaron
payable on death (POD)
paying for college
pension
per capita
per stirpes
period-certain annuity
personal debt audit
personal financial statements
personal liability
personal money story
personal principles
affect on finances
student
personal property
personal representative
POD. See payable on death
power of attorney, durable
PPOs. See preferred provider organizations
practical change, fundamental and
pre-insurance
preferred provider organizations (PPOs)
premium, return of
prepaid tuition plan
price/earnings ratio
principles, personal
printing money
private colleges
probate
property damage
Proverbs
pure insurance
Q
qualified medical expenses
R
Ramsey, Dave
rate, teaser
The Real Cost of Living
registered investment advisor (RIA)
relative return, absolute return versus
renewability provision
renter’s insurance
replacement value, full
required minimum distributions (RMDs)
reserves, emergency
residual benefit
retirement
college versus
defined
future of
history of
makeover
retirement plan
employer-sponsored
fulfillment versus
taxes and
retirement-centric financial planning
return chasers
return of premium
return, absolute versus relative
revocable living trust (RLT)
revolving debt
RIA. See registered investment advisory
riches
risk
risk assumption
health insurance
life insurance
long-term care insurance
risk avoidance
health insurance
life insurance
long-term care insurance
risk management matrix
risk management techniques
risk managers
risk reduction
health insurance
life insurance
long-term care insurance
risk transfer
health insurance
life insurance
long-term care insurance
risk/opportunity investing
RLT. See revocable living trust
RMD. See required minimum distribution
rollovers, 401k
Roth IRA
beneficiary
conversion
taxes and
traditional versus
rules, for taxes
S
save money
saver
savingforcollege.com
savings plan, for college
Schiavo, Michael
Schiavo, Terri
SEC. See Securities and Exchange Commission
secular bull market
Securities and Exchange Commission
security
self-insurance
SEP. See Simplified Employee Pension
short-term disability (STD) insurance
Simplified Employee Pension (SEP)
Singer, Dr. Daniel
Skogstrom, Amy
small cap stocks
smart goals
Social Security
benefit
disability insurance
sources of income
South Carolina
spender
spendthrift
SSDI. See Social Security disability insurance
SSI. See Supplemental Security Income
Stanford University
Stanley, Thomas
statements, personal financial
STD. See short-term disability insurance
Stevens, Jason
Stevens, Red
stocks
risk
stool, three-legged
structures, other
student
stuff
style boxes
style, investing
supplemental liability coverage. See excess liability insurance
Supplemental Security Income
T
tax deduction, mortgage and
tax refunds
tax return preparation
Tax Sheltered Annuities (TSAs)
taxes
401k and
529 plan and
capital gains
college and
estate
health savings account and
investments and
liquid investment account and
long-term investing and
myths
refunds
retirement plan and
return preparation
Roth IRA and
rules
Taxpayer Relief Act of 1997
Taylor, Sir Henry
teaser rate
technical market analysis
Tennessee
testamentary trust
Thoreau, Henry David
three-legged stool
Tignanelli, Drew
TOD. See transfer on death
tool
budgeting
money as
The Total Money Makeover
traditional IRA
Roth versus
transfer on death (TOD)
trust mills
trustee
TSA. See Tax Sheltered Annuities
Twain, Mark
U
U.S. News & World Report
UGMA. See Uniform Gifts to Minors Act
Ulrich, Carmen Wong
The Ultimate Gift
Ultimate Productivity
umbrella insurance
underinsured motorist
Uniform Gifts to Minors Act (UGMA)
Uniform Transfers to Minors Act (UTMA)
uninsured motorist
universities, private
UTMA. See Uniform Transfers to Minors Act
V
variable annuities
W
Wagner, Dick
Wall Street
Wallace, William
Washington
wealth
replacement
Webb, Ty
West Virginia
Wiggin, Addison
wills
Wooden, John
work
Y
YNAB.com