This book is designed as a reference guide for professionals serving clients on a wide variety of individual financial issues. Although we elected to follow the comprehensive 89 topics tested on the CFP Certification Examination, insurance and securities professionals have also found this reference guide to be extremely helpful in serving their clients. This book will help you stay up-to-date because it includes the 2011 key facts and figures you need to serve your clients. The topics covered in this guide include the following areas: ? Financial Planning ? Insurance ? Employee Benefits ? Investments ? Retirement Planning ? Income Tax Planning ? Estate Planning While there is some overlap and repetition of material among the topics, this repetition is a result of the interrelated issues of comprehensive financial planning. We hope the concise but complete treatment of each topic will help save you valuable time in serving your clients.