to cover the core components of financial planning, as well as income tax planning, risk management, insurance planning, and legal issues that are important to financial planners.  Presenting the complete principles, processes, and practice of financial planning, this must-have resource offers planners a well-organized approach for explaining financial planning strategies to clients while also ensuring the suitability of products being offered.In addition to providing helpful charts, handy checklists, and insightful case studies, The Tools & Techniques of Financial Planning, 12th Edition, features:   - Client-oriented materials that place the emphasis on the planner’s relationship with the client   - Technologies that can be used to assess—and work with—the client’s individual financial goals and behavioral characteristics   - In-depth coverage of issues that can affect a client’s financial goals, such as healthcare reform, long-term care planning, and      tax law changes   - Planning techniques for clients with special needs and circumstances, such as aging, disability issues, elder care scenarios, and      nontraditional relationships.   - Highlights of the 12th Edition   - A new chapter on wills and trusts—covering the basics of both types of instruments for financial planners, who are not lawyers,      yet need to know the essentials of how both types of tools are designed and put into practice   - A new chapter on selecting the right fiduciaries—explaining the roles played by attorneys, trustees, accountants, and other      professionals who help to make up the client’s planning team   - Newly updated tax information—providing the latest rates and planning strategies for long-term financial planning goals,      including major purchases, education, and retirement funding   - Content throughout that is more tightly connected to the CFP Boar’s Principal Topics and ethical requirements for CFPs

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