Neil Jesani - Win the War for Money and Success: Enhance Your Investment Return and Retirement Income, Reduce Taxes and Create a Sizable Inheritance

grew up in a small town in India, in a lower-middle classfamily. It was a happy-go-lucky family with only one bill to pay every monthand that was the electricity bill that was it. No other bills or taxes to payevery month. There was not much in savings. I had never heard of insurance andthe only investments we ever made were in the goods for our small business. Ilearned some basics of business and finance from the small family business butit was my formal education, as well as meeting the right people along the wayand the habit of reading, that changed my life and helped me to become asuccessful financial planner. Certainly, God has been very kind throughout!

Over my last twenty years in the world of finance, Iverealized that most people cant comprehend the complicated nature ofinvestments, insurance, banking and other financial concepts. Its not theirfault, of course. There are so many things to understand, process, and finallyto make sense of. In fact, most financial professionals Ive met dontunderstand them either.

Ironically, the financial services industry hascontributed lots of information (and misinformation) in order to advance itsown agenda. Also, the current model of distributing financial products andservices is paradoxical. The most powerful financial people in the world designthe most complicated financial concepts and products. These are ultimatelydelivered by mostly commission-based, generally less clever individuals. Thefolks at the top convince these financial sales people (you can call thembrokers, agents, financial advisors, financial planners, financial consultants,personal bankers or any other name you like) to sell or distribute whateverthe folks at the top are designing or producing.

Historically, the media has played and continues to playa vital role in any society. Various business or industry lobbyists have usedthe media to their own strategic advantage some by being in the news all thetime and others by staying under the radar. Today, it is very easy to find lotsof information about any financial topic you can think of. But the hardest partis knowing what is the right choice for ones particular situation, what isthe wrong choice, and what is the best information available that can help you.

Economically, I divide our society into four segments: 1)Lower-income people who live near the poverty line, 2) Middle-income earners,3) Higher-income earners and 4) the Ultra-wealthy who deal in billions ofdollars. Unfortunately, the lower-income segment does not have any means to implementfinancial strategies and they tend to pay lower or no taxes. They also tend tobe the primary recipients of government entitlement programs, as they have the most need. The ultra-wealthy onthe other hand will never run out of money, and they can very well influencethe system in their favor to lower their tax burden, and create additionalwealth building opportunities.

Its the folks in-between, the middle- and higher-incomeearners, who are in the greatest danger of paying more than their fair share oftaxes, running out of money, or leaving their family in despair because of badfinancial decisions and general misinformation. They are at war against highertaxes and unfair financial disadvantages, at war against a system that isdesigned to take their money, penalizing them for the results of their success.They studied well and worked hard to become as successful as they can be.Taxes, inflation, market fluctuations, rising expenses, lawsuits and mediocrefinancial products, and advice are eroding their wealth and eating away atanything they might pass down as an inheritance to their family. If you are inthe middle paying more than your fair share of taxes and expenses, andhaving less and less to show for it this book is for you.

Ive always been shy and rather intimidated about sharingpublicly the financial strategies Ive learned over the last twenty years.During my career, I have helped more than 4,000 doctors, 3,000 successful smallbusiness owners, and many other senior professionals with the knowledgecontained in this book. My clients and I typically talked in private settings,and they were receptive to my guidance and advice, and Im pleased to say theywere more successful reaching their goals as a result. My faith teaches me thatif I am fortunate enough to get a higher education or become the beneficiary ofgreat wisdom, then Im called to share that knowledge with others, serving thecommunity at large and continuing to discover Gods creation, rather than onlyaccumulating wealth for personal gain. These teachings finally convinced me toshare my strategies and learnings with a larger audience, even though thismight not be the typical approach of financial strategists.

And so this book was born.

While it will certainly benefit higher-income earners andhigh-net-worth individuals, it will also provide a solid pathway for people whoarent there yet, and aspire to improve their financial situation.

I always believe in discussions based on empiricalevidence rather than someones opinion. That is why I have tried to limit myopinions in this book. Instead, I provide as many facts and sources aspossible. I hope this book is a good starting point in your financial strategiesresearch and journey to lowering your taxes, enhancing your investment return,doubling your retirement income and potentially creating a legacy forgenerations to come. Ultimately, I hope it helps you win the war for money andsuccess.