In the midst of todays shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Personal Financial Planning provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The course 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 to professional financial advice that considers the impact of the recent global financial crisis. This course incorporates opening vignettes, cases, and numerous examples from life as well as a proven, integrated learning system to ensure understanding. Step-by-step features teach students to use todays most critical financial tools and technology. CFP® practice questions provide valuable practice.