9781111971632_SolutionManual_PFP13e-Chapter-01-IM-Final.docx 9781111971632_SolutionManual_PFP13e-Chapter-01-IM-Final.docx administrator Solution Manual: Personal Financial Planning, 13th Edition, Lawrence J. Gitman, Michael D. Joehnk, Randy Billingsley, ISBN-10: 1111971633, ISBN-13: 9781111971632