· Author of over 200 Books, Articles and Essays.

· Advisor to Fortune 500 companies in several countries.

· Winner of multiple awards for teaching and charitable service.

· Holds a government license USA LA EDLA to counsel on the law and provide legal advice..

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This book is US Financial Planning and Wealth Management reference. No decision should be made before talking to a licensed attorney, licensed CPA or Licensed Investment Advisor. This book is not a substitute for professional advice. Laws change on a daily basis. Thus, each investment, legal and monetary decision should be based on your objectives, investment horizon and risk tolerance. Please consult with a lawyer in your jurisdiction before making any Retirement or Estate Planning or Wealth Management Decision. All Rights Reserved to Content Modified, Created, Enhanced, or Revised. 2006,7,8,9