The Wealth Manual

Build, protect, and pass on wealth — on your own terms.

A practical, privacy-first field guide to taxes, investing, retirement, and estate planning — written for everyday households, not just the ultra-wealthy.

Start reading Full table of contents

Foundations

Where money lives, and the math that makes it grow.

  1. 01The Foundation of Wealth→
  2. 02The Mathematics of Money→
  3. 03Financial Institutions and Services→

Earning & Saving

Turn income into a durable safety margin.

  1. 04Income→
  2. 05Emergency Fund→

Investing

Taxes first, then account wrappers, allocation, and instruments.

  1. 06Tax Planning and Management→
  2. 07The Business Owner’s Tax Architecture→
  3. 08Tax Advantaged Accounts→
  4. 09Investment Vehicles→
  5. 10Measuring Risk and Performance→
  6. 11Asset Allocation→
  7. 12Investment Tools→
  8. 13Derivatives→
  9. 14Real Estate Investing→
  10. 15Alternative Investments→

Major Decisions

Borrowing, housing, and insuring against ruin.

  1. 16Loans→
  2. 17Buying a House→
  3. 18Insurance: Shielding Your Assets and Family→

The Long Game

Giving, retiring, and passing it on.

  1. 19Charity→
  2. 20Retirement→
  3. 21Tax-Efficient Decumulation→
  4. 22The Economics of Marriage→
  5. 23Estate planning→

Appendix

References and further reading.

  1. AFinance Links→