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New Book “Financial Planning Exposed” - Free to Download Tomorrow (02/23/2015)

United States – WEBWIRE

Margie Shard’s new book, “Financial Planning Exposed: Overcoming Myths to Create a Secure Future” will be available for free download in the Amazon Kindle Store.

We are in a time where people need financial planning more than ever. Life expectancy is longer, medical bills are higher, social security is in a dire state, and consumer debt is out of control. We are in a time where interest rates are still low, but will start to climb. This causes a chain reaction in bond prices declining. People generally throw their “safe money” into bonds and it will no longer be so safe. The stock market just went through one of the worst bear markets to-date and not everyone has recovered. Pensions are getting rarer and those who still have pensions are now getting buy-out options. Some people lost their pensions due to failure of companies and mismanagement. Individuals are scared to invest in their retirement plans through work because they don’t understand them.
People need planning, more than ever. Yet, most people who work with a financial advisor aren’t getting planning, but believe that they are. They are given unrealistic expectations by their advisors because the advisors aren’t looking at the entire picture. Mistakes are being made and opportunities are being lost. However, this can be stopped.
This book will discuss common myths that are adding to the financial dilemma’s individual experience and give real life stories about these myths. It will also clear up the big difference between financial advisors - which most individuals have - vs. financial planners - which most individuals believe they have.
After reading this book, you will understand what kind of financial professional you are working with and what you need to be discussing and expecting when planning your pre and post retirement life.
Financial Planning Exposed” by Margie Shard will be free and available for download on Amazon for 5 days (02/23/2015 – 02/27/2015) at:

Financial Planning Exposed” has a 4.9 star rating on Here’s what some people are saying:

“This book explains the difference between financial advisors (which most individuals had or have) and financial planners (what we need). The aim of this book is to help you plan and take action so you don’t out live your retirement savings. The key lesson that this book teaches is that we all have different financial situations and dreams and therefore we need different financial plans. I love the real life examples which prove this point. This book is well written and packed with valuable information. I highly recommend it.” – Martin Formato
“This is a MYTH buster book! Most of the people here in America may think that once you have a good amount in your 401K and you don’t owe IRA anything- then your retirement years are secured. Unfortunately, the basic computation to live your life after retirement includes inflation rate and the risk to outlive your monthly pension is there. We ought to envision ourselves of what we really wanted to achieve, realistically and we must know how to really settle our finances before we hit the retirement years. By setting realistic goals that is achievable and livable would mean everything. Reading this book is a MUST. As the author suggested “A financial planner who takes into consideration all the aspects of your life should be making recommendations based on your best interests.” There are more tips on this book that is so helpful. Don’t plan according to what you just heard. Hear it from an expert. Get your copy now. After all, we are planning for our future- might as well invest with the right kind of book.” – Bill Bronberg
For More Information:
For more questions or to schedule an interview about this press release please contact Rebecca, Author Liaison, at (626) 765-9750 or email

About The Author:
Margie Shard, CFP ®, is a CERTIFIED FINANCIAL PLANNER™ and founder of Shard Financial Services, a
planning and investment strategies firm in Fenton, MI. Margie’s desire to stop the misinformation in the financial advisor industry stems from the disastrous situations she has witnessed since entering the industry in 2001.

Margie believes in keeping up on market and economic issues in order to help navigate her clients through the risks she sees developing in the markets. She is often found educating the public through her “A Women’s Conversation on Money” discussion workshops, and bi-annual Market and Economic updates. Her radio show, “The Margie Shard Show”, also streams nationally via podcast.

Margie’s entrepreneurial spirit has led her to create community events such as the Shard Financial Back Pack Night (formerly Women, Wine, Fashion & Finance) Fundraiser for the Food Bank of Eastern Michigan, as well as 100 Women Igniting Change. She has received numerous accolades for both her professional and community work.

Find out more about Margie and follow her blog and radio show/podcast at:


 Personal Finance
 Financial Planning
 Retirement Planning

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