title: The Everything Binder - Lite: Financial, Estate and Personal Affairs Organizer
author:  Michelle Perry Higgins 
description: About Michelle <P> As a financial planner and principal of California Financial Advisors in San Ramon, California, Michelle Perry Higgins specializes in wealth management. Since 1996 she has built a successful practice advising executive professionals into retirement, and her passion for finance has helped hundreds of individuals better understand the process of investing and fiscal planning. Ms. Higgins works with many AT&T and Chevron managers/executives and has extensive knowledge with their benefit plans. <P> Ms. Higgins was ranked in the Top 50 Women-Owned RIAs in 2013, Top 25 Women RIAs in 2012 and 2014, and Top 40 Under 40 by WealthManagement.com. Also, she was awarded the 2012, 2013 and 2014 Five Star Wealth Manager Award, Diablo Magazine. She has appeared on CNBC and CBS, quoted in Yahoo! Finance, MSN Money, The Los Angeles Times, Examiner.com and is a Wall Street Journal Expert Panelist. Ms. Higgins is a frequent public speaker on retirement planning, investments, wealth management, college education funding, estate planning and insurance. In addition, she has published two books: The Everything Binder: Financial, Estate and Personal Affairs Organizer and Stocks, Bonds & Soccer Moms: 7 Steps to a Balanced Life. <P> Ms. Higgins graduated from St. Mary's College with a concentration in business administration and economics. Currently, she is on the Saint Mary s College Women's Leadership Council as it is her passion to give back by mentoring young women and helping to raise scholarship funds. <P> Ms. Higgins enjoys spending time with her husband and their two daughters.<P> Join Michelle: <BR> Twitter: @RetirementMPH <BR>Facebook: facebook.com/MichellePerryHiggins<BR> YouTube: youtube.com/user/Mperryhiggins<BR> Pinterest: pinterest.com/mperryhiggins<BR> Website: MichellePerryHiggins.com
zlib_text: Commitment
  Copyright © 2014 Heather Dahlgren
   
  Cover Design: K. Webster
  Stock Photo: Shutterstock
  Editor: Anna Coy
  Formatting: Stacey Blake of Champagne Formats
   
   
  ALL RIGHTS RESERVED. This book contains material protected under
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  reprint or use of this material is prohibited. No part of this book may be
  reproduced or transmitted in any form or by any means, electronic or
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  Author/Publisher.
   
  This is a work of fiction. Names, characters, places, and incidents either are
  the product of the author’s imagination or are used fictitiously, and any
  resemblance to actual persons, living or dead, business establishments,
  events, or locales is entirely coincidental.
  
  Table of Contents
  Also by Heather Dahlgren
  Dedication
  Prologue
  Chapter One
  Chapter Two
  Chapter Three
  Chapter Four
  Chapter Five
  Cha