For many Americans, navigating finances can feel like wading through a dense fog-unfamiliar, uncertain, and full of hidden pitfalls. Financial literacy is often reserved for those who can afford expensive advisors or have the time to decode complex financial jargon. But Guilford believes that everyone deserves the right to financial knowledge, regardless of background, income level, or prior education. Financial Planning for the 99% is his way of equipping the everyday American with the tools they need to take control of their financial future.

From Military Service to Financial Mastery

Wilbert Guilford Jr.’s journey is not one of overnight success but of decades of dedication, resilience, and learning. As a young father, his initial motivation for pursuing a career in finance was simple-job security. He wanted stability for his family, a goal that resonates with millions of hardworking Americans. But as he climbed the ranks in the world of accounting, tax planning, and financial advisory, he began to see a troubling trend-the financial services industry was not built for the everyday person.
His military background as a United States Air Force veteran further cemented his approach to finances. “My training taught me to be methodical, to cross my ‘T’s and dot my ‘I’s,” he recalls. This discipline became the backbone of his philosophy on practical financial planning, where details matter, and knowledge is power.

Challenging the System: The Financial Industry’s Neglect of the 99%

Guilford’s book makes a bold statement-the financial services industry is not designed to help the majority of Americans. It favors the wealthy, leaving middle- and lower-income individuals to fend for themselves in a system full of traps.

“The financial services industry could have a goal of helping most Americans achieve financial independence. It has never had such a goal,” he writes. “Most companies in the industry are motivated by how to make the most money in the least amount of time.”

This reality has led to a growing wealth gap, as financial literacy is often hoarded by those who can afford high-end advisory services. Meanwhile, the average American is left with high-interest debt, inadequate retirement savings, and financial instability. Guilford’s book serves as a comprehensive guide to navigating this complex landscape, covering essential topics such as taxes, investing, retirement planning, credit scores, debt reduction, home buying, student loan repayments, and digital currencies.

A Book that Resonates with Everyday Americans

Unlike many financial books that cater to high-net-worth individuals, Financial Planning for the 99% is designed for the working class, minorities, and young professionals who may feel alienated by traditional financial advice. The book has received overwhelmingly positive feedback, with readers praising its clear, jargon-free language and actionable strategies.

Ben Howard of Truman Press calls it “a beacon of light in the financial fog,” giving it a 9.5/10 rating in his review.

“Guilford’s writing is clear, concise, and engaging. He breaks down complex financial concepts into understandable, actionable advice. This book is a one-stop guide for all things personal finance.”

Endorsements and Expanding Reach

Guilford’s expertise has not gone unnoticed. His book has been endorsed by several key figures in the financial world, including Frank Crump, CEO of UPI Loan Fund, a notable not-for-profit organization that provides low-interest loans to individuals.

Additionally, his work has been featured in Readers Magnet magazine, recognized by Who’s Who in America, and showcased at the Los Angeles and Frankfurt International Book Fairs. His insights have also been shared on platforms like Benji Cole’s People of Distinction podcast and the Five Minute Media YouTube series (Watch here: YouTube Link).

Guilford also had an in-depth discussion with Benji Cole from CBS Radio, where he shared his passion for educating the everyday American on financial independence and security. The conversation explored why financial literacy must be more accessible and how his book can be a game-changer for those seeking to build wealth without prior knowledge or access to high-level advisors (Watch here: CBS Radio Interview).

The Future of Financial Planning for the 99%

As Guilford continues to educate and empower Americans, he is already looking ahead. A revised edition of his book is planned for early 2026, incorporating new financial trends and updates to ensure readers stay ahead of the curve.

Despite his success, Guilford remains deeply committed to personal engagement. His preferred method of communication? Email.

“Everyone’s situation is unique, and emails allow for more concise responses,” he says.

Readers can reach him through his website: https://guilfordtaxman.com.

Final Thoughts: Why This Book Matters Now More Than Ever

With economic uncertainty, inflation, and shifting labor markets, the need for financial knowledge and independence has never been greater. Financial Planning for the 99% is not just a book-it is a lifeline for those seeking stability in an ever-changing world.

“You can make the world a better place, one person at a time,” Guilford states. And through his work, he is doing just that.

Get Your Copy Today: Financial Planning for the 99% is available now. Visit https://a.co/d/gaKkl9q to order your copy.

Wilbert Guilford Jr. is more than an author-he is a financial advocate for the people, a leader in financial education, and a true inspiration for everyday Americans.

For media inquiries or further information, please contact Wilbert Guilford Jr. at [email protected].