From saving for a first car to putting kids through college to planning for retirement and preserving an estate for loved ones, a person's financial goals change from one stage of life to the next. While those goals and the challenges faced in achieving them may differ, all of them have certain things in common. Saving, budgeting, managing debt, taxes, and living within one's means-these are some of the Ten Key Wealth Management Issues that come into play, to varying degrees, when working toward specific financial goals. But as top New York City wealth manager and financial advisor John Vento clearly shows in this one-of-a-kind guide, there is one goal for success that relies on all Ten Keys coming together in perfect harmony: financial independence, or what he calls "Point X." Why "Point X"? Because, as everybody knows, "X" always marks the spot on old treasure maps where the treasure is buried. And because, as John explains, each of us, regardless of our stage in life or income level, has our own buried treasure-our potential for achieving the financial independence we want and deserve. In this book, the author supplies you with the knowledge and tools you need to find your own Point X and unlock your potential for financial independence-no matter if you define financial independence as a guaranteed retirement income of $25,000 a year, or an estate worth $250 million. Packed with need-to-know facts and proven financial planning, investment, and tax strategies, along with valuable checklists, sample financial plans, financial self-evaluations, and other valuable tools, this book supplies you with a complete road map for arriving at Point X, with key milestones and all the important twists and turns along the way clearly defined. It also identifies the Ten Key Wealth Management Issues and offers priceless advice and guidance on negotiating each on the road to financial independence, It explains how the Ten Key Issues are interrelated and why the way you deal with any one can have a big impact on how you'll have to deal with the others. Also featured are fascinating, real-life stories of success and failure that offer an opportunity to learn from the experiences of others of all walks of life and tax brackets. Tax planning facts and strategies that demonstrate how to minimize your number-one most significant, ongoing expense, while maximizing savings are also presented. Written by an expert with decades of experience helping people of all walks of life realize their dreams of financial independence, this book arms you with the knowledge and tools you need to get to your Point X-the point at which you no longer have to work for your money but where your money works for you. -- Publisher description