MANDATORY READING FOR FIRST YEAR FINANCE, BUSINESS AND FINANCIAL PLANNING MAJORS, ALL CFPS, ChFCs, CPAs AND ANY ATTORNEY DEALING WITH MONEY MATTERS (BUSINESS, ESTATE, REAL ESTATE, DIVORCE, 401ks, ETC.) Text is complement to two video courses approved by the California Bar Association for Continuing Legal Educatioin Fiduciary Standards Dodd Frank: Investing Fiduciary Standards Dodd Frank: Insurance and Annuities Real life appllication of products reflecting the new guidelines. Not for novices- must have at least some understanding of basic fundamentals- compounding interest, stocks and bonds, mutual funds, retirement planning. The text is several layers above Suze Orman and the like. Addresses the fallacies of buy and hold, static correlations, standard deviation as risk- all with an overlay to the issue of risk first and foremost. Not a formal college text with just theory. Written in an understandable format but will require readers to do further study either to use themselves or to act as a fiduciary. Table of contents: http: efmoody.com/contents.pdf Foreword: http: //efmoody.com/Foreword.pdf Nothing else like it.