This booklet is written from the heart out of my own experience of dealing with personal finances amid the unexpected in life. My husband and I were preparing the financial life plan and asset protection for our family when he suddenly died. I was left on my own to pick up the pieces of shattered dreams in raising our sons together and to finish preparing for a secure financial future. I give glory to God that I survived and was able to raise my boys without moving, but it was not easy. I know firsthand about the “dark side” and the difficulties born out of not having a plan in place. I had to learn to be focused, disciplined and remain faithfully obedient to God’s word. I have often heard people say, “It will never happen to me.” But, never say never. The unexpected can happen to anyone at any time. So out of this experience, I talk to my clients and friends about the importance of planning and the basics about having a plan. It is my hope that this booklet will explain and prepare the reader to have a plan for financial security in the face of the unexpected.