So smart, we’ve written the book on it.

Balancing strategy with common sense.

We take complex information, make it refreshingly simple, and put it to work for you. In fact, Charlie Farrell has written a book that has everyone from Wall Street to Main Street talking.

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It’s simple – 8 simple tools to be exact. But it is powerful, eye-opening reading.

The genius of the Money Ratios system comes from its simplicity. If you’re like most people, you’re confused about how to lead a healthy financial life today and still position yourself for a secure retirement that may be decades away. The system is based on a series of simple ratios that anyone at any age can use to answer the five universal questions of personal finance. The Money Ratios are exceptional tools because they pack a great deal of information into a very simple format and allow you to benchmark your situation against the ratios.

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What You Will Find In This Book

• IF YOU ARE IN YOUR 20s OR 30s - Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.
• IF YOU ARE IN YOUR 40s - you can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.
• IF YOU ARE IN YOUR 50s - the formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.