EXPERTS SAY THAT FINANCIAL PLANNING AND INVESTMENT IS UNNECESSARILY MADE COMPLICATED. A COMMON PERSON IS BOMBARDED WITH STRANGE-SOUNDING THEORIES, HORROR STORIES, COMPLEX INVESTMENT OPTIONS, AND SO ON. MOST LIKELY, ANY SUCH INVESTMENT PLAN OR SCHEME BENEFITS THE COMPANY SELLING IT AND THE ADVISORS/AGENTS. ACTUALLY, THIS SUBJECT IS VERY SIMPLE. IF ONE FOLLOWS ONLY FIVE STRAIGHTFORWARD STEPS, NO ADDITIONAL FINANCIAL KNOWLEDGE IS NECESSARY TO ACHIEVE...