I am a high net worth financial advisor that specializes in Intergrated payroll/401k/healthcare/adminsitration-24/7 and Trust Administration & Trust Asset Mmanagement, expert author for www.ezineArticle.com and author of my award winning book: The Procrastinator's Bible for Finacial Success: Nine Essential Steps for Planning, Budgeting, and Investing-second additionwww.bookworm.tv