Your Wealth Plan: 4 Steps to Financial Freedom

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Your Wealth Plan: 4 Steps to Financial Freedom

Last Update: March 6, 2026

Introduction

A financial plan is only as strong as its weakest link.

To move from financial instability to long-term wealth, you need a repeatable framework that accounts for math, taxes, and human psychology.

The following four-phase roadmap provides a direct, step-by-step path:

Table: Financial Plan Phases

Phase 1: The Foundation (Financial Status)

  • Start with a rock-solid foundation.
  • Theme: Survival and Stability

This initial stage is about stripping away ambiguity to understand your current net worth, cash flow, and immediate liabilities.

By establishing a “ground zero,” you create the security necessary to move from reactive survival—like managing high-interest debt—to proactive stability.

The focus here is on building a cash reserve that acts as a buffer against life’s unpredictability.

Phase 2: Goal & Risk Analysis

  • Define your retirement target.
  • Theme: Defining the Destination

Once the floor is leveled, you must determine the specific “why” behind your wealth-building, whether that is early retirement, a primary residence, or legacy planning.

This phase involves quantifying your time horizon and your emotional capacity for market volatility.

Mapping out these variables transforms vague desires into a concrete mathematical target and a risk profile that prevents panic during market downturns.

Phase 3: Capital Allocation Strategy

  • “Stack” your capital into the most tax-efficient accounts
  • Theme: Tax Efficiency

With a destination in mind, you select the specific vehicles—such as 401(k)s, IRAs, or brokerage accounts—that will carry your capital toward your goals.

High-level strategy focuses on optimizing “asset location” to minimize the long-term erosion caused by taxes and fees.

Choosing between tax-deferred and tax-exempt accounts, like a Roth IRA, ensures that you keep the maximum amount of your compound growth.

Phase 4: Execution & Behavioral Maintenance

  • Automate the behavioral discipline required to stay the course.
  • Theme: Consistency and Discipline

The final phase is the longest, requiring the automation of contributions and the emotional fortitude to ignore short-term market noise.

Success here isn’t about brilliant timing, but rather the boring, repetitive habit of staying invested through various economic cycles.

It is the bridge between a well-designed plan on paper and the actual realization of financial independence.

Before I address each phase with a little more data, the next section contains a template of the whole process that you can print out or copy.

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Financial Plan Template  

Phase 1: The Foundation (Financial Status)

Goal: Survival and Stability. Ensure your current finances are rock-solid before moving forward.

1. Calculate your Net Worth (Using a Personal Balance Sheet)

  • List Assets (what you own) vs. Liabilities (what you owe).
  • Focus: Investable assets (exclude home equity for retirement math).
  • See Appendix 2 for a net worth computation template.

2. Start Tracking your Cash Flow (Budgeting)

  • Start Tracking your cash flow (money in and money out)
  • Establish a budget.
  • See Appendix 1 for a budget calculation template.

3. Safety Net & Debt Cleanse

  • Eliminate “Bad” Debt: Pay off anything with an interest rate > 7% (Credit Cards, personal loans).
  • Emergency Fund: 3–6 months of essential living expenses in a High-Yield Savings Account (HYSA).

4. Family Protection

  • Secure Term Life Insurance, a basic Will, and when needed, Umbrella Insurance. (See Appendix 3 for more on Insurance)
  • Protection prevents one accident from wiping out your entire Balance Sheet.

Phase 2: Goal & Risk Analysis

Goal: Define your destination. Do not proceed until Phase 1 is under control.

5. The 25x Rule (Retirement Target)

  • Use the “4% Rule” to find your target portfolio size.
  • Example: If you need $80k/year, your goal is $2,000,000 ($80,000 ÷ 0.04).

6. Milestone Planning

  • Account for home down payments or tuition.
  • Inflation Factor: Adjust future costs by 3%–5% annually.

7. Risk Assessment

  • Risk Capacity: How much can you afford to lose based on your timeline?
  • Risk Tolerance: How much volatility can you take before panicking?

8. Asset Allocation (The Portfolio Mix)

  • Aggressive (15+ yrs to retirement): 80%–95% Stocks / 5%–20% Bonds.
  • Moderate (5–12 yrs to retirement): 50%–75% Stocks / 25%–50% Bonds.
  • Conservative (Near/At retirement): 20%–40% Stocks / 60%–80% Bonds.

Phase 3: Capital Allocation Strategy

Goal: Tax Efficiency. Use the right “containers” to reduce your lifetime tax bill.

9. The “Stacking” Strategy (Order of Operations)

  • 9.1 Employer Match

    • Contribute to 401k/403b/TSP up to the match limit (Free Money).

  • 9.2 HSA (Health Savings Account)

    • Maximize if eligible (Triple Tax Advantaged).

  • 9.3 Roth IRA

    • Maximize for tax-free growth. (As we’ve discussed, this is often the superior choice over a Traditional IRA for long-term flexibility).

  • 9.4 Workplace Plan Remainder

    • Return to your 401k/TSP and fill to the IRS maximum limit.

  • 9.5 The Flexibility Stack (Taxable Brokerage)

    • Use “Gold Standard” firms (Fidelity, Vanguard, Schwab) for funds accessible before age 59½.

  • 9.6 Gifting & Legacy

    • Fund 529 Education plans or utilize the Lifetime Exemption for heirs.

Phase 4: Execution & Maintenance

Goal: Consistency and Discipline.

10. The Engine (Index Funds/ETFs)

  • Buy low-cost, diversified funds (e.g., S&P 500 or Total Stock Market).
  • Cost Watch: Aim for expense ratios near 0.05%; avoid anything over 0.50%.

11. Automate Everything

  • Set recurring transfers of your Monthly Surplus to trigger on payday.
  • Step-Up: Increase contributions by 3% annually to maintain buying power.
  • Rebalance: Periodically reset your portfolio to your target allocation.

12. The Behavioral Contract (Panic Rules)

  • Write down your “Rules of Engagement”:
    • “I will not sell during a market drop.”
    • “I will only check my balance sheet quarterly.”
    • “I will stick to my 25x goal.”
    • etc.

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Financial Plan Phase 1: The Foundation (Financial Status)

Objective: Establish survival and stability.

Develop a budget and update it on some frequency.

Compute and track your net worth. 

Before investing, you must secure your current position by auditing your

  • Personal Balance Sheet (investable assets vs. liabilities) and
  • calculating your Monthly Cash Flow. The goal is to identify a reliable monthly surplus.
  • See Appendix 1 for a cash flow (budgeting) template and
  • See Appendix 2 for a personal balance sheet (net worth calculator) template

Immediate actions include:

  • Debt Cleanse: Eliminating “bad” debt (interest > 7%)
  • Liquidity: Building a 3–6 month emergency fund in a High-Yield Savings Account.
  • Risk Mitigation: Securing term life, a basic will, and umbrella insurance (when needed) to protect assets from catastrophic loss. 
    • See Appendix 3 for more on term life insurance and umbrella insurance.
Table Financial Plan Phase 1: Determine Your Financial Status 

A monthly cash flow analysis might seem a bit too much, so don’t worry about following the exact guideline.

Depending on your situation and your familiarity with your budget, you can adjust the update frequency as needed. 

The important thing is to get started and start getting familiar with your specific  financial condition. 

You can’t change or improve what you don’t monitor. 

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Financial Plan Phase 2: Goal & Risk Analysis

Objective: Define the destination and the vehicle/s.

Once you know where you are, you can start figuring out where you want to go.

Use the 25x Rule (4% withdrawal rate) to determine your target retirement amount.

See my post: Bang for your Bengen: The 4 Percent Rule

Account for major milestones like tuition or real estate, adjusting for a 3–5% inflation rate.

Understand your risk tolerance and design a basic Investment asset allocation. 

Your Asset Allocation is built at the intersection of:

  • Risk Capacity: Your mathematical ability to weather losses based on time horizon.
  • Risk Tolerance: Your psychological ability to handle volatility.
    • Portfolio mixes should shift from aggressive (80–95% stocks) to conservative (20–40% stocks) as you approach your target retirement date.
Table: Financial Plan Phase 2: Goal and Risk Analysis

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Financial Plan Phase 3: Capital Allocation Strategy

Objective: Maximize tax efficiency through “stacking.”

To optimize every dollar, assets should be deployed into specific “containers” starting with the order provided below.

See my post Tax Advantaged Plans and Other Capital Allocation Structures for more details on the various legal and tax related containers (wrappers, buckets, entities, vehicles) available to you.

Focus: Tax Efficiency. Use the right “containers” to reduce your taxes.

1. Workplace plan Employer Match: “free money” from your employer.

  • Contribute to your 401k, 403b, or TSP only up to the max employer match.

2. HSA (Health Savings Account): Triple Tax Advantaged Plan.

  • Maximize your HSA (If you have a high-deductible medical insurance plan).

3. Roth IRA: Tax-free growth for your future.

  • Maximize your Roth IRA: Access from the “front” or “backdoor”.
  • Typically you’d pick a Roth IRA vs a Traditional IRA (with deductible).

4. Workplace Plan Remaining Contribution Amount.

  • Return to your workplace plan (401k,403b,TSP) and fill it to the maximum limit.
  • Note: Both workplace plans and IRAs offer unique advantages which might flip the order of 3 and 4 for you.

5. The Flexibility Stack (Taxable Brokerage)

  • Action: Set up a standard brokerage account as your bridge fund.
  • So you have access to funds before retirement funds are available at 59 1/2. 
  • Use “Gold Standard” firms like Vanguard, Fidelity, or Schwab.

6. Gifting: Education (529) & Legacy

  • Fund a 529 for Education or Gift anyone. Must report over a certain amount.
  • Amount over yearly limit is deducted from Lifetime Exemption Amount.
You’ll probably have to tailor the above for your specific situation and the specific versions of the rules for the year in question. 
So take this as a starting point. 

And as I mentioned, see my article Tax Advantaged Plans and Other Capital Allocation Structures for much more on the various types of containers available. 

Table: Financial Plan Phase 3: Capital Allocation Strategy

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Financial Plan Phase 4: Operational Consistency

Objective: Disciplined execution and automation.

Strategy fails without a repeatable process.

Utilize low-cost Index Funds (targeting expense ratios near 0.05%) to achieve instant diversification.

  • Automation: Set recurring transfers of your monthly surplus to trigger on payday.
  • Inflation Scaling: Increase contributions by 3% annually to maintain purchasing power.
  • Behavioral Governance: Establish a “Behavioral Contract” to prevent emotional selling during market volatility and restrict portfolio reviews to a quarterly basis.
Table: Financial Plan Phase 4: Execution and Behavioral Maintenance

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Conclusion

Financial independence is the product of a repeatable, disciplined system.

You cant understand or improve your financial condition unless you monitor it. 

By following these four phases in order, you eliminate the guesswork and emotional volatility that derail most investors.

1. Secure the Foundation

You cannot build wealth on a shaky base of high-interest debt and zero liquidity.

2. Define the Destination

Use the 25x Rule to give your labor a mathematical purpose.

3. Optimize the Stack

Use the specific tax-advantaged “containers” to keep more of what you earn.

4. Automate the Maintenance

Remove yourself from the equation through automation and a behavioral contract.

Success in this roadmap is measured by consistency, not complexity.

Identify your current phase, master its requirements, and only then move to the next.

The math is simple; the discipline is the differentiator.

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Some Good References

1. Bogleheads.org (Wiki & Forum)

This is the “gold standard” community for low-cost index fund investing based on the philosophy of John Bogle (Vanguard’s founder).

Their Wiki is the most comprehensive, non-commercial library for financial planning online.

  • Check out their financial planning links : https://www.bogleheads.org/wiki/Outline_of_financial_planning
  • It focuses on low expense ratios and the “Three-Fund Portfolio” (Total Stock, Total International, Total Bond).
  • Use the Bogleheads Wiki for a deep dive into tax-efficient fund placement.
  • Get the book “The Bogleheads’ Guide to the Three-Fund Portfolio by Taylor Larimore

2. The White Coat Investor (Blog & Podcast)

Best for: High-Income Earners & Phase 1 Protection.

While originally for doctors, James Dahle’s advice is for any high-income professional.

He is the authority on “Phase 1” protection (Term life insurance vs. Whole life scams) and advanced “Phase 3” maneuvers like the Backdoor Roth IRA.

3. Bob Berger

Bob is widely respected in the “Boglehead” community for his calm, practical, and highly detailed approach to DIY investing.

4. The Money Guy Show (Podcast & YouTube)

Best for: The “Order of Operations” and Stacking Strategy.

Hosts Brian Preston and Bo Hanson are professional wealth managers who specialize in the “Financial Order of Operations” (FOO).

  • Look for their “Financial Order of Operations” (FOO) episodes.

5. ChooseFI (Website and Podcast)

Best for: The “25x Rule” and Milestone Planning.

This is the hub for the Financial Independence, Retire Early (FIRE) movement.

They specialize in “Phase 2” math, specifically how to calculate your freedom number and optimize your lifestyle to increase your “Monthly Surplus.”

  • They break down the 4% Rule and “Bridge Funds” (taxable brokerages) for people who want to reach their 25x goal before age 59 1/2.

6. Ben Felix

Ben Felix is a Canadian portfolio manager and Chief Investment Officer at PWL Capital, widely known for his highly academic, data-driven approach to personal finance.

7. Some Great Books on Investing and Investing Mindset

  • Bogle on Mutual Funds – John C. Bogle

  • Winning the Losers Game – Charles Ellis

  • The Simple Path to Wealth – JL Collins

  • The Psychology of Money – Morgan Housel

  • The Bogleheads’ Guide to the Three-Fund Portfolio by Taylor Larimore

8. Free Personal Financial Net Worth and Budget Worksheet Templates 

There are a lot of options out there.

You could use Google Sheets or Microsoft Excel and create and manage your own template.  

  • If you want to build your own spreadsheet, you can start with the budget and net worth template outlines in Appendix 1 and Appendix 2. 

If you search on the web using ” best budgeting apps or tools” or “best free budgeting apps or tools” you’ll get a lot of hits.

  • For example, I plucked these out of two articles by Forbes and Bob Berger:
  • Sophi Relay; Simplifi ; Monarch Money ; Empower ;  Rocket Money ; Tiller ;  Quicken ;  Origin ;  YNAB ; EveryDollar ; Wallet Hub ; Lunch Money; Albert ; Spendee; PocketGuard

You could also download free templates from these three sites

9. AI – Take advantage of the wealth of information at your fingertips

Artificial Intelligence platforms provide a massive shortcut to financial literacy (via tools like ChatGPT or Google Gemini and others).

AI can teach you the fundamentals but is also capable of doing data analysis and scenario modeling that people used to pay a premium for.

Whether you want to be a high-level DIYer or just a savvier client, learning to use AI gives you the leverage to verify your own numbers and ask your advisor better questions.

It doesn’t (or wont necessarily) replace professional wisdom, but it does mean you no longer have to show up to the table empty-handed.

You should absolutely take advantage of this. 

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Appendix 1

Personal Budget (Income and Expense) Template

Period Covered: [e.g., Jan 1, 2025 to Dec 31, 2025]

I. Cash Inflows (Incoming Dollars) 

1. Income

  • 1.01 Gross Salaries; Total W-2 wages for both spouses before any deductions.
  • 1.02 Interest Income; Cash earned from savings, CDs, or money markets.
  • 1.03 Dividend Income; Cash from stocks/mutual funds (even if reinvested).
  • 1.04 Tax Refunds; Total Federal and State refunds received during the year.
  • 1.05 Gifts / Inheritances; Any cash received from outside the household.
  • 1.06 Asset Sales; Cash from selling a car, furniture, or selling stock.
  • 1.07 Other Income / Side Hustles; Bonuses, rental income, or 1099 contract work.
1.08 Total Income (cash inflow)

II. Cash Outflows (The Destination of Every Dollar that Came In)

2. Savings & Reinvestments (The “Wealth Building” Bucket)

  • 2.01 Employee 401(k) Contribution; The portion of your gross salary you deferred.
  • 2.02 Traditional IRA Contribution; Personal deposits to a tax-deductible IRA.
  • 2.03 Roth IRA Contribution; After-tax deposits to a Roth account.
  • 2.04 HSA Contribution (Employee); Your deposits to the Health Savings Account.
  • 2.05 FSA Contribution; Pre-tax dollars for medical/dependent care.
  • 2.06 Brokerage Deposits; After-tax cash moved into a taxable account.
  • 2.07 529 Plan Contributions; Education savings for yourself or dependents.
  • 2.08 Principal Reductions (Extra); Any additional payments to debt beyond the minimum.
  • 2.09 Reinvested Dividends; The Reinvested portion of the Dividend Inflow.
  • 2.1 Reinvested Interest; The Reinvested portion of the Interest Inflow.
2.11 Subtotal Total Savings & Reinvestments

Non-Discretionary Outflows (The “Must-Pays”)

3. Taxes

  • 3.01 Federal Income Tax; Amount withheld or paid via estimates.
  • 3.02 State Income Tax; Amount withheld or paid via estimates.
  • 3.03 FICA Taxes; Social Security and Medicare (7.65% of wages).
  • 3.04 Property Taxes; The local taxes on your real estate.
3.05 Subtotal Total Taxes

4. Debt

  • 4.01 Mortgages Principal; The “Equity” portion of your monthly payment.
  • 4.02 Mortgages Interest; The “Cost of Debt” portion of your payment.
  • 4.03 Home Loans: Principal; The “Equity” portion of the loan payment.
  • 4.04 Home Loans: Interest; The interest portion of the loan payment.
  • 4.05 Auto Loans: Principal; Full monthly payment (P&I).
  • 4.06 Auto Loans: Interest; Full monthly payment (P&I).
  • 4.07 Student Loans: Principal; Minimum monthly required payment.
  • 4.08 Student Loans: Interest ;Minimum monthly required payment.
  • 4.09 Credit Card Minimums ;Only the contractual minimum due.
4.1 Subtotal Total Debt

5. Insurance

  • 5.01 Health Insurance; Your portion of the premium.
  • 5.02 Life Insurance; Term or Permanent premiums.
  • 5.03 Disability Insurance; Monthly or annual premium.
  • 5.04 Auto Insurance; Monthly or annual premium.
  • 5.05 Homeowners Insurance; Premium (even if paid via escrow).
  • 5.06 HOA / Condo Fees; Mandatory monthly or annual fees.
  • 5.07 Umbrella Insurance Personal Liability Umbrella Premium
5.08 Subtotal Total Insurance

Discretionary Outflows (The “Lifestyle” Bucket; Living Expenses)

6. Living Expenses

  • 6.01 Capital Improvement Refurbishment projects
  • 6.02 Groceries
  • 6.03 Dining Out
  • 6.04 Utilities: Electricity
  • 6.05 Gasoline
  • 6.06 Lawn Service
  • 6.07 Auto Maintenance
  • 6.08 Utilities: Water/Trash
  • 6.09 Utilities: Gas/Heat
  • 6.1 Charities
  • 6.11 Communication: Mobile Cell phone plan.
  • 6.12 Communication: Internet Home Wi-Fi.
  • 6.13 Entertainment; Movies, streaming, events.
  • 6.14 Travel / Vacations
  • 6.15 Home Maintenance; Repairs that aren’t “Capital Improvements.”
6.16 Subtotal: Total Discretionary (Living Expenses)

7. Total Cash Outflow = ∑(2.11) + (3.05) + (4.1) + (5.08) + (6.16)

III. Net Cash Flow

  • 8 Net Cash Flow Calculation Formula
  • 8.01 Total Cash Inflows (1.08)
  • 8.02 – Total Cash Outflows (7)
8.03 Net Cash Flow = Total Cash Inflow – Total Cash Outflows

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Appendix 2

Net Worth (Personal Balance Sheet) Template

Date: [Enter Date, e.g., March 7, 2026]

xxx = Ownership: XXX: Spouse 1 or 2 “SP1”, “SP2” or Joint Owners “J”

I. ASSETS (What you Own)

1.1 Cash & Cash Equivalents

  • xxx Checking Accounts
  • xxx Savings / Money Market
  • xxx Cash on Hand

Subtotal_Cash Equivalents

1.2 Investment Assets

  • xxx Brokerage Accounts (Taxable)
  • xxx Include all matches → Retirement (401k/IRA/Roth)
  • xxx Education Savings (529)
  • xxx Business Interests

Subtotal_Investment Assets

1.3 Personal Use Assets

  • xxx Primary Residence
  • xxx Vehicles
  • xxx Household Furniture/Tech
  • xxx Jewelry / Collectibles

Subtotal_Personal Use Assets

1.4 Total Assets (TA) 

II. LIABILITIES (What you Owe)

2.1 Consumer & Short Term

  • xxx Credit Card Balances
  • xxx Unpaid Bills / Taxes

2.2 Major Loans (Principal Only)

  • xxx Mortgage Principal Balance
  • xxx Student Loan Balance
  • xxx Auto Loan Principal Balance
  • xxx Other Personal Loans

2.3 Total Liabilities (TL) Sum of all the above

III. NET WORTH (Total Assets – Total Liabilities)

  • Total Assets (1.4)
  • Total Liabilities (2.3)

NET WORTH =  Assets – Liabilities

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Appendix 3: Term Life and Umbrella Insurance Basics

Use this information as a starting point to develop your own strategy.   

Be sure to do your own due diligence and check your decisions for logic

  • Does it pass your logic check (your sniff test)?

1. The Power of the States

In the U.S., the federal government does not regulate insurance; individual states do. Every state has its own Department of Insurance (DOI) that sets the rules for how policies are sold, how claims are paid, and what assets are protected from lawsuits.

How to find the facts:

  • The Directory: The NAIC (National Association of Insurance Commissioners) is the central hub. Use their State Insurance Department Map to find the official .gov site for any state.
  • The Texas Authority: The Texas Department of Insurance (TDI) at tdi.texas.gov.
  • The “Safety Net”: If an insurance company goes bankrupt, the Texas Life and Health Insurance Guaranty Association generally protects death benefits up to $300,000. You can check other state limits at NOLHGA.com.

2. Term Life Insurance

Purpose: A temporary financial bridge to replace your income and pay off debts so your family can keep their “exempt” assets (like the house).

When it is needed:

  • If you have dependents (children, spouse) who rely on your paycheck.
  • If you have shared liabilities (mortgage, co-signed loans).

How much is typically needed (The DIME Rule):

The goal is to cover your Debt, Income, Mortgage, and Education.

Example: Couple (Age 40s) in Houston, TX

  • D (Debt): $30,000 (Car loans/Credit cards) + $15k (Final expenses).
  • I (Income): $150,000 salary x 15 years (until the kids are 20+) = $2.25M.
  • M (Mortgage): $400,000 (Houston-area average for a family home).
  • E (Education): $150,000 per kid (UT/A&M) x 2 = $300,000.
  • The Result: This couple should target a $3 Million, 20-year term policy.

3. Umbrella Policy

Purpose: Extra liability protection that kicks in after your home or auto policy limits are exhausted in a lawsuit.

Who needs it:

  • Anyone whose exposed assets (wealth a lawyer can reach) exceed the liability limits of their car or home insurance.

How much do you need?

This is where state law changes the math completely.

In many states, a creditor can take your home.

In Texas, the Texas Property Code makes your biggest assets “judgment-proof.” 

Example: Houston ResidentTo find your umbrella number, only count what a Texas court can actually take from you:

EXEMPT (Safe – Don’t Count)
  • Homestead: Your Houston home (100% protected).
  • Retirement: 401(k)s and IRAs are exempt.
  • 529 Plans: College savings for the kids.
EXPOSED (At Risk – Count These)
  • Cash: Standard savings and checking accounts.
  • Brokerage: Taxable stock/bond/crypto accounts.
  • Investment Real Estate: Rental or vacation homes.
The Calculation:

If this Houstonian has $1.5M in a 401(k) and a $600k home, but $500k in a brokerage account:

  • The Rule:

    • Get a $1M or $2M Umbrella.
    • You only need to cover the $500k that is reachable, plus a buffer for legal fees.

4. Best Unbiased Consumer Resources (2026)

These are the only sites you should trust for objective data, not sales pitches:

  1. InsureU (NAIC): The official education wing of the state regulators. 100% non-profit.
  2. Consumer Reports: The gold standard for objective ratings on company claims-handling.
  3. AM Best: Use this to check “Financial Strength.” Only buy from companies with an A or A+ rating.
  4. TDI Consumer Guides: Direct PDFs from the Texas government on how to shop for coverage in Houston.

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Disclaimer: The content of this article is intended for general informational and recreational purposes only and is not a substitute for  professional “advice”. We are not responsible for your decisions and actions. Refer to our Disclaimer Page.

2 thoughts on “Your Wealth Plan: 4 Steps to Financial Freedom”

  1. Rich

    I may have browsed over the following comment, but I thought it important to mention that term life insurance should be considered when others depend on you for financial reasons and/or stability vs a single person. Hopefully this is self explanatory. Additional details could be mentioned as to the amount of term life insurance you need, but for now, simply research this topic and customize accordingly. Overall article is a solid basis or guideline.

    Reply

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