Lawrence J. Gitman

Michael D. Joehnk

Randy Billingsley

In the midst of today's shifting financial environment and fast-paced, changing lives, it's more important than ever before that your students gain a solid foundation in personal financial planning. Gitman/Joehnk/Billingsley's market-leading PERSONAL FINANCIAL PLANNING, 12E provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach -- addressing financial plans, assets, credit, insurance, investment, and retirement -- as individuals and families progress through a lifetime. The latest updates throughout this edition reflect the most recent financial developments and research -- from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. This edition's inviting new design incorporates opening vignettes, cases, and numerous examples from life with an integrated learning system to ensure understanding. Step-by-step features teach students to use today's most critical financial tools and technology, including financial planning software. CFP practice questions provide valuable student practice. A complete support package, including CengageNOW online course management system, saves you time as you put the best in personal financial planning in your students' hands. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

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