The last 30 years have witnessed stock market booms and busts, economic prosperity and downturns, various presidential administrations, and technological revolutions. Through it all, Victor Hallman and Jerry Rosenbloom's classic guidebook, which previously was titled Personal Financial Planning in its first through seventh edition, has retained its status as the most accurate and up-to-date resource to help Americans protect their futures by investing wisely, insuring their families, and planning for their estates and retirements. Now, with Private Wealth Management, Eighth Edition, money managers and personal investors once again have a reliable resource of personal financial management guidance that is complete with essential new material addressing the latest trends in financial planning. These historic economic times call for new guidance. Hallman and Rosenbloom deliver with new chapters on asset protection planning, cash flow analysis, and interest accumulation concepts, as well as increased coverage of common stock investments and alternative investments. Additionally, in-depth and up-to-date attention is given to the Tax Relief Act of 2004 and the Pension Protection Act of 2006. This proven wealth-building tool features cutting-edge financial thinking and highreturn/ low-risk strategies in virtually every applicable area, including Index funds Value investing Dollar-cost averaging Fixed-income investing Profit-sharing plans Stock bonus plans 401(k) plans Simplified employee pension plans Estate planning Gift taxes Generation-skipping transfer taxes Income and capital gains tax planning Health insurance plans including HMOs Personal risk management From setting financial objectives and understanding the planning process to investing in equities and fixed-income securities, Private Wealth Management offers an effective, coordinated process that shows readers how to plan a prosperous financial future in today’s no-guarantee financial environment.

在过去的30年里，我们见证了股市的繁荣与萧条，经济的繁荣与衰退，各种各样的总统管理，以及技术革命。尽管如此，Victor Hallman和Jerry Rosenbloom的经典指南在其第一版到第七版中被命名为“个人理财计划”，它仍然保持着最准确和最新的地位，帮助美国人通过明智的投资、为家庭提供保险来保护他们的未来，以及规划他们的财产和退休生活。如今，随着《私人财富管理》（Private Wealth Management）第八版的推出，基金经理和个人投资者再次拥有了可靠的个人理财指导资源，其中包含了解决财务规划最新趋势的重要新材料。这个历史性的经济时代需要新的指导。Hallman和Rosenbloom发表了关于资产保护规划、现金流分析和利息积累概念的新章节，并增加了普通股投资和另类投资的覆盖面。此外，2004年的税收减免法案和2006年的养老金保护法案得到了深入和最新的关注。这一经验证的财富积累工具在几乎所有适用领域都具有尖端的金融思维和高回报/低风险战略，包括指数基金价值投资美元成本平均固定收益投资利润分享计划股票红利计划401（k）计划简化员工养老金计划遗产规划赠与税生成跳过转移税收入和资本收益税收规划健康保险计划包括HMO个人风险管理私人财富管理提供了一个有效、协调的过程，向读者展示了如何在当今没有担保的金融环境中规划繁荣的金融未来。