Your Financial Road Map is a personalized, confidential report covering every important facet of your financial life. It is based on a straightforward questionnaire that takes only about 30 minutes to complete. Your report is filled with analyses and guidance pertaining to your own financial situation.

Any good road map tells you where you are and how best to get where you're going. Your Financial Road Map is a remarkable and remarkably affordable report that does the same for your financial journey, helping you move toward your goals armed with knowledge, clear direction, and confidence.

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How Your Financial Road Map Works

Here’s some information that will help you better understand how Your Financial Road Map works.

Within 48 hours of clicking on Help, I’m lost! Give me my financial roadmap! CCCS will e-mail your password and instructions for accessing your personal financial questionnaire in our secure website. The questionnaire is very easy to complete.

Most people can answer all of the 80 questions without having to refer to any of their financial records. It takes about 30 minutes to complete; even those who have to dig up some financial data report that they finish the questionnaire in less than an hour.

While the questionnaire itself is very straightforward, your responses provide a lot of important information on every important area of your financial life, including:

• Saving and investing
  
  
• Your plans for the future
  
  
• Insurance coverage
  
  
• Your personal record keeping
  
  
• Your home or plans to buy a home
  
  
• Your income tax situation
  
  
• Planning your retirement (or, if you’re already retired, your future plans during retirement)
  
  
• Estate planning

Special financial concerns you may have

Your age, family status, and income Your answers to the questionnaire will enable you to receive a report that is remarkably personalized. As one family noted, “Our financial report was just like having Jonathan in our living room, providing us with advice pertaining to our own personal finances.”

All information in the questionnaire is kept completely confidential, as are the contents of your report. The information isn’t sold or given to any individual or organization. We won’t try to sell you any other services, and you can rest assured that Jonathan won’t be calling you at the dinner hour trying to sell you something. If you want an even higher level of confidentiality, you can submit the questionnaire by email and receive your report by email without providing your name and address. (Instructions for using this option are included with your questionnaire.)

While most people fill out their questionnaire shortly after they receive it, you have up to one year to return it.

Once you’ve completed the questionnaire, you will be emailed your analysis within one week. Depending on your own financial circumstances, your report will range in length from 30 to 45 pages. See below for a description of what’s contained in your report.

What's included in your personalized report

The report is filled with information pertaining to your own financial situation. It provides guidance and recommendations that are based on your responses to the questionnaire, and takes into consideration your age, family status, income, and special needs that are indicated in your questionnaire.

While no two Your Financial Road Map reports are alike (in fact, no two reports are anywhere near alike because everyone’s financial situation is unique), each report contains five sections.

1. The main report covers every relevant area of your financial life. Depending on your own financial situation, this section typically covers:

• Investing wisely and well – even if you’re just starting out,
  
  
• Diversifying your investments,
  
  
• Obtaining the right kind of insurance at the right price, and closing gaps in your coverage,
  
  
• Using credit to enhance your financial future, not impair it,
  
  
• Planning for a financially-comfortable retirement or thriving throughout your retirement years,
  
  
• Paying for any major expenses that you may be contemplating – a home or college, for example,
  
  
• Taking maximum advantage of tax-saving opportunities,
  
  
• Keeping better financial records, and
  
  
• Planning your estate to minimize expenses and ease the burden on your family.

2. Priority list of recommendations.
Everyone has a lot of room for improvement in their financial lives, even those who devote a lot of time to their personal finances. Since Your Financial Road Map takes an in-depth look at every important area of your financial life, your report will make anywhere from 40 to 60 or more recommendations. It’s easy to feel overwhelmed by so many recommendations, so each report contains a priority listing that lists the recommendations in order of priority so you’ll be able to attend to the most important ones first. And, like the main report and the investment recommendations (described below), your priority listing applies to your own financial status and needs. No two are alike.

3. Investment recommendations.
The third part of your personalized report is a diversified investment strategy based on your own financial status, including the amount of money you have available to invest, whether your investments are in retirement accounts, taxable accounts, or both, and how comfortable you are with investment risk. Based on the information provided in your questionnaire, Your Financial Road Map will suggest a way to diversify your investments as well as provide recommendations for investing wisely and well.

4. Additional resources.
This section presents a list of helpful free or low-cost publications and free web sites that Jonathan feels will be helpful as you plan your financial future. Your list of additional resources contains only resources that apply to your financial situation. Like the other sections in each Your Financial Road Map report, the resources list is tailored to your own unique needs.

5. Worksheets and checklists.
Several helpful worksheets and checklist are also included in your report. These easy-to-use tools will help you organize your records, measure your financial progress, determine how much life insurance you need, plan your retirement, and more.

One of the most-appreciated features of Your Financial Road Map is that it doesn’t waste your time dealing with matters that don’t apply to you. For example, if you’re a parent contemplating future education expenditures, your report will give you some suggestions to help you surmount that financial hurdle. But if you don’t have children or you’re an empty nester, your report won’t include this subject. If you’re retired, your report will be vastly different from a report for working age people because your financial needs and concerns are different.

In addition to the helpful guidance provided in their reports, one of the features that people who take advantage of Your Financial Road Map most appreciate is Jonathan’s objectivity. He’s in the business of providing unbiased information to people of all financial circumstances. While his recommendations may not please some of the big financial institutions, you can rest assured that he always has your best interests in mind. As opposed to virtually every other available personalized financial report (most of which cost 10 or 20 times more than Your Financial Road Map, he’s not trying to steer you into certain financial products nor is he trying to sell you expensive financial services. Whether you use a financial adviser or handle your finances on your own, he believes you can take better control of your financial future, and this is exactly what your personalized report will help you do.

Jonathan Pond is President of Financial Planning Information, Inc., of Boston. He is also the author of eleven books on personal financial planning.

Mr. Pond is widely sought as an objective and entertaining observer of the investing and personal financial planning scenes. He conducts hundreds of print, radio, and television interviews each year. He is a regular guest on numerous radio and TV talk shows, including regular interviews on NBC's Today Show and public television's Nightly Business Report (where he is the personal finance commentator) and appearances on national news segments on ABC, CBS, and CNBC. He has hosted three highly-acclaimed public television specials, including "Finding Financial Freedom," "Your Financial Future," and "Jonathan Pond's Tax Party." The last program won the gold medal at the Worldfest International Film Festival for its outstanding informational content.

He is a recipient of The Malcolm Forbes Community Awareness Award
for excellence in Advancing Financial Understanding
and an Emmy for his contributions to a television series on financial planning in the 21st century.

Jonathan is also in great demand as a speaker, and manages to address over 100 groups each year throughout the country. His lively and entertaining presentations cover a wide range of personal financial planning
and investing topics.

He was educated at the University of North Carolina, Emory University, and the Harvard Business School and is a CPA.

Although he often says the key to financial success is never taking financial responsibility for anything that eats, Jonathan doesn't always practice what he preaches. He resides in a Boston suburb with his wife, three daughters, ages 12, 9 and 5, and one slothful dog.

The price for this valuable, personalized service is only $49.99 for clients of CCCS, less than 1/3 the standard price.

We accept Major Credit Cards and Electronic Checks through Paypal

I have some questions before I purchase