“Reading these words is a wake up call to take action! In plain language, he is saying why we must take control of our own financial lives, even if we don’t really want to or don’t know where to start. This book is a great place to start that process. Peggy Erickson, Physical Therapist, INSPIRING! The information held in this book offers an opportunity to re-think what we have in this present time, what we need to do while we have the chance, what attitude we should have to move forward and pass it on to our children for a better future. Armed with knowledge from this book, I have the power to choose the right thing for my families’ outlook. Thanks Tony! Nerissa H. Dahle, Accounts Receivable, “Mr. Filippone really hits home with advice to the average middle class American Worker. It is so clear in this book that he’s really done his homework & presents his plans & advice in a way that even a person like me with very little understanding of the financial world can grasp & go with. His plans and advice have changed the future for the better for my family—I’m grateful” Mary Deiter, Personal Care Assistant, “I Love Tony” “I have no doubt about your honesty and desire to help others become financially independent. In the new book you do cover some potentially frightening scenarios, but that is to bring our awareness of our future into the light of day. We keep thinking that we have time to save for the future later, but the future is truly now! Your words of advice and encouragement, as well as your integrity and honesty are precious commodities in this day of economic difficulties. Thank you Tony!” Sandy Licari, Customer Service, “The format is easy to read and understand by those of us with little financial planning experience. I wasn’t lost in the jargon and boredom that so often weighs down such publications. Good Job! Constance Sturdivant, Social Worker, “The fact is most of us are one paycheck away from poverty. I like most Americans do have credit card debt, but because of your advice I’m on track to pay it off. I have stopped using my cards and have focused on one card at a time to pay down. I will not charge any holiday gifts! Thank you, your book is wonderful. Cynthia Hearns, Medical Case Manager, “I have listened to many other financial advisors and have even taken some of their advice but none have earned my trust. I sensed that their only concern was to generate more income for themselves. I did not trust them, but you are different. I know you are truly concerned about my financial welfare. I truly trust your advice.” Frank Jagdeo, Accountant, “I enjoyed the information and it is beneficial for those people who are gainfully employed and have a viable source of income. If people who are still working would use your advice and expertise they would not be in the financial bind that many of us are today.” Dyanna Chandler, “You sure put “it” out there! The questions were great and the information on what “really” is happening to our (middle to lower income class) finances was a wake up call!!!” Sheryl McWhirter, Retired, “Yikes! I’ve worked hard my whole life believing that I have a good pension coming and plan on using Social Security for enjoyment activities. I guess I’m fooling myself. Can’t wait to get the help I need. Thanks for doing what you do!” Steven Lee, Plumber, “I believe that this book is perfect for the middle class family. A lot of times the middle class has no knowledge on how to invest, save and or do financial planning. Most individuals nowadays live on a very strict budget. I think that it’s very vital to share the tips in your book to let them know there are options for them. Most people just don’t think that far down the road. This book will definitely get them thinking in the right direction.” Anita Polk, Customer Service Rep., “AWESOME, Every man, woman and child should have a plan like this! It would make our financial lives so much simpler. I wish my parents would have started a plan like this for me. I have been in financial services for ten years and no one spells it out as simple and easy to understand, than Tony!” Brian Oakley, Financial Advisor—10 Years! “Today there is so much information out there in regards to what to do for retirement, that the ordinary family is shell shocked. They truly do not know what to do, and rightly so. Thus, there decision is not to make one. This book, unlike so many is tailored for the Middle American Family. It has no technical jargon and gets right to the point of educating and showing in detail, what is truly in the best interest of the consumer, and why. If you feel that it is too late, or there is not enough cash flow to fund your retirement, you are making a serious mistake. This is finally the book that is geared for Middle American Families. Kevin Murray, RFC, Consultant,
“Finally someone has stepped up, putting financial planning and debt management strategies into a simplistic, common sense approach that will allow families to set their financial priorities, to achieve their future goals. “Financial Planning for the Not Yet Wealthy” is going to change the way you look at your finances and show you a path to achieve true financial independence.” - Jeremy Nason, RFC, FMM Co-Founder of FoundMoneyManagment.org "Planning for the future is never easy with all the complex strategies, tax laws and all kinds of investments out there! Yet, most families either do nothing for the future, or they try to do it themselves and generally fail at it! Most families spend more time planning their summer vacation, than they do planning for their future! Don’t fall into this trap. If you fit into the groups listed above, then you simply need to read “Financial Planning for the Not Yet Wealthy”. It is the key to your financial independence.” - Lew Nason, RFC, FMM,LUTC Graduate Co-Founder of FoundMoneyManagment.org