Free Books.

We're Talking Millions!

A short book — fewer than 100 pages — that shows you 12 simple decisions that can add millions to your retirement nest egg over a lifetime of investing. Each decision is small. The cumulative effect is enormous.

Paul and Richard distill decades of research into a clear, no-nonsense guide every investor can follow — whether you're just starting out or already deep into your career. Read it in an afternoon. Apply it for a lifetime.

2 Funds for Life

Want to know why 2-Funds-for-Life strategies increase likely lifetime returns by 25% to more than 130% — and what you need to do to reap those benefits? This deep-dive owner's manual is for you.

We're all wired to invest for the future, but when it comes to personal finance few of us know how. How much should I save? How much risk can I take? How does risk tolerance change with age? How can I get the most while risking the least? Could I really do everything I need with just two funds?

2 Funds for Life is a quest to answer these questions — and show definitively that simple approaches can match, beat, or even trounce more complex ones.

The Mere Mortals' Financial Guide

Paul Heys's updated book is available for free — a reframing of the psychological concepts that influence wealth-related decisions, told in a clear, engaging, down-to-earth style.

Don't miss Appendix E. It contains a brilliantly written summary of Nobel laureate Daniel Kahneman's 500-page masterpiece, Thinking, Fast and Slow. — Paul Merriman

If You Can

Would you believe that there's an investment strategy a seven-year-old could understand, that takes only fifteen minutes of work per year, outperforms 90 percent of finance professionals over the long run, and can make you a millionaire over time?

According to William J. Bernstein, there is — and If You Can lays it out in a short, free booklet aimed at younger investors just getting started. Starting at age 25, save 15% of your salary each year, invested equally across a U.S. total stock market index fund, an international total stock market index fund, and a U.S. total bond market index fund. Rebalance once a year. That's it.

Simple, but not easy. Bernstein walks readers through the Five Horsemen of Personal Finance Apocalypse — failure to save, ignorance of financial theory, unawareness of financial history, dysfunctional psychology, and the rapacity of the investment industry — with a short reading assignment at the end of each chapter to deepen your understanding.

First Time Investor

An easy, essential read for getting started as a long-term investor. You'll learn exactly what to do to set and meet your financial goals — from the day you start saving and investing for your future, and for the rest of your lifetime.

If you invest wisely, you may be able to retire while your friends are still chained to their jobs. Whether you're 23 and just landed your first job, or 40 and decided to finally get serious about investing — if you follow the advice in this book, you'll have a high probability of being financially independent when your working years are over.

101 Investment Decisions

Learn how every investment decision you make has the potential to add $1,000, $10,000, $100,000 or more to your wealth. Together, this can mean millions of extra dollars for you and your family over the years.

The workbook for savvy investors at all stages of life. In his information-rich, pull-no-punches style, Paul Merriman explains the decisions to be made and the impact of each on your financial future — so you can easily prioritize and make the best financial choices to meet your goals. It's your future. Choose wisely.

Get Smart or Get Screwed

Understand the variety of financial brokers and advisors — and the services they can, and should, offer. Includes extensive lists of questions you should ask, services you should receive, and reasons why the brokerage industry is not always serving your best interests.

Paul helps you understand how to find and work with competent and ethical advisors, firms, and products. Getting the best and most from your advisor will save you time, grow your money, and give you peace of mind. Whether you're a first-time or savvy investor, you'll learn new ways to avoid the plethora of pitfalls many investors encounter.