Obtain the reference text Reference text: Order from Amazon Ernst & Young's Personal Financial Planning Guide Fifth Edition by Martin Nissenbaum, Barbara J. Raasch and Charles L. Ratner Paperback: 540 pages ISBN: 0-471-68724-3 Fifth edition (2004)   We provide a link to Amazon.com for your convenience, but you can obtain the reference text anywhere you like! Obtain the book from: library, friend, local bookstore or online. Amazon is currently offering free shipping on orders over $25. Consider adding another book from the FunCPE book Course list to get free shipping.