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Possess financial security and independence. Know how to find, evaluate, and work with a financial advisor. Being a millionaire is a realistic aspiration if you are knowledgeable and diligent about becoming one. Today, people are required to accumulate greater amounts of money to fund their lifetime goals and objectives than was necessary by previous generations. This book covers what should be included in a comprehensive financial management program for people of all ages who want to live a financially independent and secure lifestyle. It shows reliable ways to plan and manage the emotional aspects of money, cash flow, assets, liabilities, taxes, investments, employee benefits, insurance, health care, business ownership, college financing, accumulated estate wealth, and, most critical, how not to run out of money during retirement. In todays often confusing and contradictory world of information overload, the reader is informed how to discern and distinguish what information is beneficially useful or harmful to his or her financial well-being. Moreover, if professional assistance is desired, guidance is provided for how to select and work with a financial advisor as well as how and when paying for an advisors help is justified.