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Why do some people succeed financially while others struggle? In this uplifting book, the secrets to what determines financial success will be revealed. Joseph J.A. Quijano, CFP®, CDFA®, is a certified financial planner and a national financial educator. He has a strong passion for protecting his clients' money against losses. With over 40 years of successful experience, he has helped thousands of individuals achieve financial security. And he can do the same for you.

Saving money doesn't have to be a burden. It also doesn't mean you need to stop spending your money completely. Savings and spending is not an either/or proposition. Instead, being smart with your money means you spend it well so you can save it wisely. Joseph J. A. Quijano, CFP®, CDFA®, is a certified financial planner and a national financial educator. Mr. Quijano has a strong passion for protecting his clients' money against losses.