Three weeks before Christmas and all through the nation, it looks like many Americans are taking a shopping holiday. We plan to stay in our home for the next 20-25 years and then downsize. Using net present value calculators, the financial planner will suggest a combination of asset earmarking and regular savings to be invested in a variety of investments. Appetizers -- I skip these unless it's a special occasion or I have them alone as a meal. I will get a small pension from my last job; it is calculated to be about $1600/Co if I start drawing it at age 60 or $200/Co if I start drawing now. Since 1986 it has nearly tripled the sap 500 with an average gain of +26% per year. They will be pretty standard “launch” posts and very familiar to FM readers. Unfortunately, there are people and organizations that may try to take advantage of you. Tax planning: typically the income tax is the single largest expense in a household. The first step towards satisfactory servicing of clients is to have a deep understanding of clients needs, objectives & outcome expectations and M/s.