How to Give Financial Advice to Couples: Essential Skills for Balancing High-Net-Worth Clients’ Needs

It’s the late summer of 1966 in a small town in upstate New York when the body of eight year old Michael Vogel is found at the bottom of the deep end of the municipal swimming pool four hours after closing.

At first, the townspeople believe the initial reports that it was an accidental drowning, despite the fact that the boy’s body wasn’t discovered when the lifeguards searched the pool earlier in the day after his sister reported him missing. However, when an autopsy reveals an unexpected result, it sets in motion a search for a killer in a town unaccustomed to murder.

The story is told from the perspective of three members of the community: a twelve year old boy with a future he hopes to avoid; a sheriff with a past he wishes to forget; and a forty year old bachelor with a secret he wants desperately to protect. Their stories all come together in a startling and thrilling conclusion that helps to provide a measure of redemption for each of them.

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If you buy insurance, drive a car, ride in a car, ride a bike or walk on roads where cars drive, this book is a must read. Exceptionally different than the books written by attorneys, this book is written by an injured person who recovered more than a quarter-million dollars. Based on a true story, the author takes you through the events immediately following an accident all the way to settling multiple insurance claims and a lawsuit. At every step along the way, there is a clear description of the pitfalls to avoid so that you too can maximize the money you receive.

And for those who haven’t had an accident – this book is a must read because it will give you the insight you need to choose the right auto and medical insurance companies so that you and your family members are protected when an accident occurs. Consumers have no idea what has occurred in the insurance industry over the last two decades. These changes will directly affect whether you will be compensated following an accident. After reading this book, you will be prepared to:

• Calculate the value of your injuries and determine if filing a claim is worth your time and effort.
• Take the four steps to file, negotiate and settle your claim.
• Represent yourself without an attorney to maximize financial gain.
• Hire, compensate and manage an attorney if you choose to do so.
• Know what to say to insurers, and when to say it.
• Know what not to say to insurers.
• Learn how to work with your medical insurer so they don’t cancel coverage.
• Select an auto insurance company that will honor the policy they sell you.

The final two chapters of the book analyze the insurance industry, documenting how insurance companies systematically delay and deny claims. Reading these chapters will create a shocking awareness that consumers are buying a product called insurance, but in fact are spending hard-earned money with companies that no longer honor the insurance contracts they sell. The final chapter lays out a clear plan for what consumers can do to protect them from buying insurance that won’t protect them.

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