Why is it so difficult for the average American to get good, dependable financial advice? Is the fact that you may be asked to put your own money at risk the reason that 99% of Americans do not use a financial advisor? By design or neglect, the practices of the financial services industry may create many of the roadblocks to addressing the financial needs of most Americans. The industry works well for wealthy individuals, just not everyone else. This book fills that void with the knowledge we need to help ourselves. This book provides professional financial education and in-depth strategies for investing, saving on taxes, retirement planning, insurance, education planning, annuities, reverse mortgages, long term care, Medicare Advantage and Medicare Supplement plans, Social Security, student loan repayments, business development, estate planning, improving your credit score, effectively reducing debt, cryptocurrency and more. This work is meant to be a one-stop guide to address the most significant financial challenges Americans have to face. Wilbert's inspiration for the book was to help the many people who did not have easy access to important financial advice or financial planning. He is a Certified Financial Planner(TM) and Certified Public Accountant with more than forty years of experience in accounting, auditing, financial planning, and income taxes. He is also a licensed insurance agent, Certified Internal Auditor, and Certified Information Systems Auditor. Wilbert holds a master's degree in accounting from the University of Hartford and a bachelor's degree in business administration from Loyola University in New Orleans. He currently resides in Phoenix, Arizona, and enjoys physical fitness, good nutrition, good stories, and good music. Website: https: //guilfordtaxman.com/