everyone's guide to financial planning

8/6/2019 Everyone's Guide to Financial Planning

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& + 8 &* & + & +* ' &*' * & &* &)& ( 8* < %( + &;& *' &* & * 9 ' '& & & ' ;.

(*'' 9 & * ))( ) ' &'' ( * & I &*'& & * & * & +*) & & 8& *' ( ' < + 8 + &* &&8& * 8 & &*' * *'' %( + ) ( & 9 & &

* ( & & %; ( ) )'( * & (& +&&' * & ;&++& & + 8 & 9 &;& &'& * + *'' + ( &&

& '& 9 *;& %&& *) ;& *) &;& & ( & &* '&&8 &';& ;& & * & & ' * & %&' &;& 8* & '& < &* & ( & %& 7 ( 7 79 ( 7* * )& * * &

& &8 * ) (*'' * ( * (% '& 9* 8 ( &* ' & &* 9& * & ( & & ( &* + ( &';& (

&+'&) + 8 & & '& ;& ( 9& * & I 8* & 9 * & < + ( ( *) %&' & * * &

8*< & &8& 8* * & *%' E( & &)'( && &8& ) 88( & ; %*


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& &' & ' + & &= & & )& * 9 8 & && * & ( &=)'( ;& 9 + ( * & 9* * ; *'

& ( )& % + & & * ( & * & ' 8( &; *%' %& ** ( ) & & &' '& +* * ( & 9& * & 9 ''.

( %&)*( & & * & ( +( ( & %( 9 & & ' * &

'(8 & *8& 7 &' '& 7 %*


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&8&8%& & 8 % ( & + (8* & & * *8& 9 ) 9& )* *'' * &

)& %& * % < D &' 2 ' &% * * & 2 * &=*8. '& + 9 * 8&* ) ;& * & + && 9 &


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2 2 >& &* '* + & &* & & & ' & & & *

* 8 * + L&) 2&'& 2* & * & & 9 * &' & '& ) J& & &+& 7 & & & * 7 * 7 * &

& ( * & * ( & + & '& & &* & ( + .( * &' ) 88 & & + ) & 8* &* '& * &

9 & + ' & ) * *) & *) * & *;& * '*)& &&* & +*) & * & && & & & ( + + )& &

8& 9 %( & )& ( * ' & & * 8&)&'&% & 9 * & * & & & < &

&*' & & *'' *;& + &8 * & * & &)& * ) & & 8* & '& )* & *% ( &8 * * &'+

8* & ) * ' & + )& ) * + & & &' & ' F * & G * & E( & *' & 9 ( +*8 ' + & 9 % 9< 9 + & * *)) 8 ' 8& * &= & & )& 9 ''

' &

D 2 D*8& ) & & 9 '' * *) & & FA/G & + 8 & *' & & 9 ( & ' ;& * &)( + * * ( *'+*8 ' & & + & * & & '& 9 & ( ' +& 8* $E

> > * (

$ !

2 B8* %& * ( & * &8& * * ( *= '*9 ) 8 '&=K

+*) *'8 '*( *%'& 9 & ( ) & & & 8 ( 8* + () & ('* * ) * ) 9 ) 8*


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+ & ) 8& + 8 &*' & * & & &)& ;& & & ; & + 8 % )< 9 '& & ) (& ' &

& &'+ )& & & & & ; & * & &9 ) 8& *;& I %&& *=& *' &* F )* & & * I *

*=G & ) 8& *+ & ( & &&

&*' * ' * & &=)'( *%'& + & & *' ( L %& ;*'(& + 8 & I ' ; E(* & * & *' &=)'( &) '* * +&'' 9 * * & *' &=)'( *%'& 9 & * .

' & 9* ( * & &* ) * & &*) & *.*'& & & + * & ( *=& * ) 8 & * F9* & + 8

&*) G *=&& + M!00 FM600 + L & ( G + ; & ) 8& &=.

)'( & + 8 ) 8& &*) &* + & *'' & ) * * * *=& )& *' &*

& !"#/ *= * & )* &=)'( & + 8 ) 8& !/ S( M- 000 FM1 000 + L & ( G + 7 & & & 7 &* & 7 &

& & 7 8&* ( )* & () & & * + * &* + 8 *&)& ;& + 8 ;& 8& * * *= & &8* & + &=)&&M- 000

; &= & & * ( & * 8& 9 & I ' ) + ( ( &9* *8* & * ( *;& ' ;& 8&9 & & &' & + * 9 '& * &*' &=)'( & + 8 ) 8&

) *' &)( %& &+ * 8( & . ( * 8& + 8 &* 8& + )& * & % &=)'( & + 8 ) 8&

& 9 '& (%L&) + + & %& &+ * %* & * & ' 8% &9* )'( & &8 ) 8& %( % & * ( & & * &

* *)&

& 8 ' +& ( * )& &8 (8 * % * &8 ' & * & .)'( & * &8 ' &&I ) 8& ( '& * & &= & *& +*)& ;*'(& + & ' ) &=)&& M/0 000

&8 ' 8& ) 8 & * *=*%'& ' + * 9 & ( *' ) 8& &=)&& M60 000

)& * * ( ( ) * & 9 ''* 9 ) *;& *' &* %&& *=& 9 & ( & & ''* %*)< & 9 I %& *=&* * %( 9 * & 7&* & 7 9 '' %& > (I < & ' ) *9 (' '& ( &) ( ( )* *' %&+ & & %& *= & .

& & ( * & &* K *+ & *'' ( ) (' & 9 ( *; &

,,-


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%*)< & *' *8 ( ( * + * * ( )* I &*'' %& )'&* L( 9 * & * & *= )& & )* I 9* + & &*&* %& & ( & *) (* *' *%'& & & 8 & 9 * (9 '' 9 (' *;& 8* & + ( ' ;& & *8 ( + &* (I & ( . & & ( * )& ) 8 * 9 '' ; & & *) (* *' + 8*.

( && + ( *= & (> (I & &;& *=& & & + 8 &* ( % '' * % + & & *

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