Crystal Oculee - Money Confidence: Advice for Women to Take Control of Their Financial Freedom Now

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Copyright 2017 9Q Ventures, LLC

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Print ISBN: 978-1-62634-439-6

eBook ISBN: 978-1-62634-440-2

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First Edition

I nformation provided herein reflects the views of the author as of the publication date of this book. Such views are subject to change at any point, and neither the author nor 9Q Ventures, LLC shall be obligated to provide notice of any change. Information contained herein is provided for informational purposes only, and nothing presented herein is or is intended to constitute investment, tax, or legal advice or a recommendation to buy or sell any types of securities. No investment decision should be made based on any information provided herein.

The author has not taken into account the investment objectives, financial situation, or particular needs of any individual investor and is not responsible for the consequences of any decisions or actions taken as a result of information provided in this book. There is a risk of loss from an investment in securities, including the risk of total loss of principal, which an investor will need to be prepared to bear. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investors financial situation or risk tolerance. Mutual funds, exchange traded funds, new issue bonds, and annuities have offering documents (e.g., prospectus and statement of additional information), which outline the investment strategies, fees, risks, and conflicts pertaining to the applicable investment. It is very important for an investor to read the offering documents to fully understand the investment. Options also carry risks and are not suitable for all investors. Prior to investing, an investor should read: Characteristics and Risks of Standardized Options, which can be obtained from any exchange on which options are traded, at www.optionsclearing.com, or by calling 1-888-OPTIONS, or by contacting your broker/custodian.

Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. To the extent that they are mentioned, it is important to understand that annuities are intended for retirement or other long-term needs. They are intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. Annuities are not FDIC-insured, and any insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Past performance is no guarantee of future results. Some of the information provided herein was obtained from third-party sources believed to be reliable, but such information is not guaranteed to be accurate.

Any forward-looking statements or forecasts are based on assumptions only, and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. Any assumptions and projections displayed are estimates, hypothetical in nature, and meant to serve solely as a guideline. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision.

In Memory of My Grandmother

This book is dedicated to every woman who has worked hard to support her family, every woman who has kept going regardless of the struggles she faced, and who kept saving even though at times it all seemed to go into a black hole. I hope that within the pages of this book you will find hope, wisdom, and empowerment to plan a better retirement. I hope youll be able to stand up to whomever or whatever it is thats trying to hold you back.

A s the famous saying goes, it takes a village.

This book was inspired by the stories of many women I met throughout the years. Even thoughfor their privacytheir names are fictitious, their stories are real. I would like to thank all of them for their inspiring and, in some cases, heartbreaking stories, and I know they will want any woman who reads this book to be aware of the wolves that can, in the blink of an eye, wipe away hopes and dreams.

First, and most important of all, I want to thank my husband, who has always been there for me. He has encouraged me every step of the way. His motivation and his genuine you-can-do-it attitude truly inspire me every day. Without his support, strength, and motivation, this book would not have been possible. Thank you with all my heart and soul. You are a remarkable person!

I want to thank my parents for teaching me to be the strong woman I am today. Without them, I might never have understood the importance of being independent!

I want to thank my staff, who were with me every step of the way from book design to editing to all the work that goes on behind the scenes. I offer my sincerest thanks to Mae Talle, who organized me above and beyond to help me achieve my deadlines for this bookher effort to make this book the best it can be was beyond enthusiastic, and Silvia Park, who offered her support and many nights of long debates on subject matter.

I want to give my heartfelt gratitude to my client and dear friend Alice Bryant, who helped with editing and who was an incredible sounding board for many of the topics, including helping me come up with the cover idea. I appreciate how selfless her kindness was, and it has been an absolute pleasure to have someone so amazing in my group of counsel.

I also want to thank my editor, Sally Garland. Sally, thanks for all of your hard work, dedication, and belief in our mission to empower women.

Finally, I want to thank all the women who will read this book and will choose to take control of their financial futures. Nothing makes me prouder than that, as I know that together our voices will shake down all the wolves in the financial industry, and we will be a force to be reckoned with. After all, it is you, the reader, who will help us pass this empowerment message along and make a difference in your life or someone elses!