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SUNY Empire State College

FSMA-3122 (2025FA-FSMA-3122-01) Personal Financial Planning with Renata Kochut

Start Date: September 2025

Published: September 2023
ISBN: 978-1-4533-4193-3

Personal Finance

Version 4.0

By Rachel S. Siegel

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High-quality, full color, printed textbook shipped to your door.
FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
Downloadable, copy-protected PDF for reading offline on multiple devices—file is yours to keep. Downloaded files are protected by digital rights management and must be accessed using Adobe Digital Editions.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.
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