About the Author John J. Vento1 is the president of a New York City–based certified public accounting firm, as well as the Certified Financial Planning™ firm of Comprehensive Wealth Management Ltd. For over 30 years, his firm has worked with clients throughout the country and has focused on professional practices, high-net-worth individuals, and those committed to becoming financially independent. Mr. Vento has been a registered representative and advisor representative with HD Vest Investment Services and HD Vest Advisory Services since2001. He has been one of their top producing advisors for over a decade.John has been the keynote speaker at various seminars and conferences throughout the United States, which focus on tax and financial strategies that help create wealth. He frequently appears on Fox News's Shepard Smith Reporting, the Willis Report, and the Neil Cavuto Show, NY1 News, CBSN, and many other financial television programs. He has also published numerous articles in publications such as Money Magazine, Reuters, the Wall Street Journal, Forbes, Bloomberg Businessweek, and MarketWatch, to name a few. He was a subject-matter expert on topics including tax saving strategies, financial planning, and various other wealth management issues. John graduated from Pace University with a bachelor’s degree in business administration in public accounting and continued on to earn an MBA in taxation from St. John’s University. He is a certified public accountant (CPA) and a member of the American Institute of Certified Public Accountants and the New York State Society of Certified Public Accountants. John is also a Certified Financial Planner™ (CFP®). He holds a General Securities Representative Series 7 license, and he is an Investment Advisor Representative (IAR).John brings with him his vast experience from working with KPMG LLP, one of the “Big Four” CPA firms, where he specialized in audits of the medical and dental profession and the financial service industry. He has been an adjunct professor at St. Francis College in Brooklyn, New York, as well as Wagner College in Staten Island, New York. John has been recognized as an advocate for promoting financial literacy and has been a lecturer throughout the New York City Public Library system. 1John J. Vento is an advisor with HD Vest. The views and opinions presented in this book are those of John J. Vento and not of HD Vest Financial Services® or its subsidiaries. All investment-related information in this book is for informational purposes only and does not constitute a solicitation or offer to sell securities or insurance services. The HD Vest–affiliated companies exclusively provide financial products and services, and do not provide or supervise tax or accounting services. Advisors may provide tax, accounting, or other services through their independent outside businesses, but these services are separate and apart from HD Vest. John Vento, Registered Representative, Securities offered through HD Vest Investment Services®, Member: FINRA/SIPC, Advisory Services offered through HD Vest Advisory Services, 6333 North State Highway 161, Fourth Floor, Irving, TX 75038, 972-870-6000. Investments and Insurance Products: Are not insured by the FDIC or any federal government agency Are not deposits of or guaranteed by the bank or any bank affiliate May lose value Comprehensive Wealth Management, Ltd. is not a registered broker/dealer or registered investment advisory firm.