Financial adviser/journalist Edelman reveals the deceptive and manipulative business practices occurring in mutual funds--practices that cause higher fees, greater risks, and lower returns than investors realize. He offers a detailed yet easy-to-follow plan that lets you take back control of your investments--and your financial future. His ability to explain complex financial concepts in an entertaining way resonates with readers. In this book he shares lessons gained through two decades of working directly with individuals and families; he reveals the lies that have infiltrated retail mutual funds and retirement accounts, and teaches how to invest your money in your employer retirement plan, how to save for college, and, for those who are retired, how to generate more income without sacrificing security. He shows that proper money management has nothing to do with "hot tips" and everything to do with scientific analysis, solid academic research and historical data.--From publisher description.