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CFA Level 1 2024 Schweser Notes PDF: Is it Better?

As a CFA candidate, you're likely no stranger to the importance of quality study materials. The Schweser Notes, produced by Kaplan Schweser, are a popular choice among candidates. But is the 2024 version better than previous ones?

What's new in the 2024 Schweser Notes?

The 2024 Schweser Notes for CFA Level 1 have been updated to reflect the latest curriculum changes and developments in the field. Here are some key features:

Benefits of using the Schweser Notes

So, why choose the Schweser Notes over other study materials? Here are some benefits:

Is the PDF version better?

The PDF version of the Schweser Notes offers several advantages:

Conclusion

The 2024 Schweser Notes for CFA Level 1 are a valuable resource for any candidate looking to prepare for the exam. With their comprehensive coverage, clear explanations, and practice questions, they're an excellent choice for those who want to feel confident and prepared. The PDF version offers added convenience, making it a great option for candidates with busy schedules. Whether you're a first-time candidate or a repeat taker, the Schweser Notes are definitely worth considering.

While the 2024 CFA Level 1 exam curriculum remains rigorous, choosing the right study materials—specifically whether to stick with the official CFA Institute (CFAI) curriculum or pivot to Kaplan Schweser—is the first major decision most candidates face.

If you are looking for efficiency and a streamlined path to passing, here is why the SchweserNotes often edge out the official texts for the 2024 exam cycle. 1. Radical Efficiency: The "Need to Know" Filter

The official CFAI curriculum is famously dense, spanning thousands of pages. While it is the definitive source of truth, it often includes academic context and long-winded explanations that aren’t strictly necessary for passing.

SchweserNotes are designed to distill these Learning Outcome Statements (LOS) into digestible "Notes." They cut the fluff, focusing on the core concepts and formulas you actually need to solve exam questions. For a 2024 candidate balancing a full-time job, this time-saving factor is often the difference between finishing the syllabus or rushing through Ethics in the final week. 2. Expert "Translation" of Complex Topics

Some 2024 curriculum changes, particularly in Quantitative Methods and Financial Statement Analysis, can be intimidating. Schweser’s authors act as translators. They break down complex "CFA-speak" into plain English.

The Schweser Advantage: They often use consistent "rules of thumb" and mnemonics that the official curriculum (written by various academic committees) lacks. 3. Integrated Learning Ecosystem

Buying the SchweserNotes isn’t just about the PDFs or books; it’s about the tools that come with them:

Module Quizzes: Instead of reading a 60-page chapter before testing yourself, Schweser breaks topics into small modules followed by immediate "Check Your Understanding" questions.

The QuickSheet: A fold-out (or digital) cheat sheet of every essential formula and ratio for 2024. This is arguably the most valuable review tool in the industry. 4. Focused Practice (The QBank)

The 2024 Schweser QBank is legendary for its ability to mimic the exam’s difficulty level without being unnecessarily punishing. While CFAI’s ecosystem practice questions are vital, Schweser allows you to filter questions by specific LOS, helping you drill your weakest areas rather than getting lost in a general pool of questions. The Verdict: Why It's "Better"

The "best" material depends on your goal. If you want to become a walking encyclopedia of finance theory, read the CFAI curriculum. If you want to maximize your ROI on study hours and pass the 2024 exam on your first attempt, SchweserNotes are the superior tactical choice.

Is this your first time sitting for the exam, or are you looking to switch from another provider for your 2024 retake?

AI responses may include mistakes. For financial advice, consult a professional. Learn more

Feature idea: "Study Mode Optimizer" for Schweser CFA Level 1 PDF

Overview

Key features

  1. Personalized study plan
    • Auto-generate a day-by-day calendar to finish curriculum by your exam date using your available weekly study hours.
  2. Adaptive highlights & bookmarks
    • Automatically highlight LOS-related sentences, formulas, and exam-weighted topics; create a dynamic bookmark panel sorted by weakness and topic weight.
  3. Smart flashcards
    • Extract key concepts and create Q/A flashcards (cloze deletion option) with spaced-repetition scheduling and performance tracking.
  4. Practice integration
    • Inject short topic quizzes (5–10 MCQs) on each PDF section; adapt later quizzes to missed concepts and mimic item-set style.
  5. Formula trainer
    • Central “Formula Sheet” auto-populated from PDF; offers fill-in-the-blank practice and timed recall drills.
  6. Exam-simulator mode
    • Create full-length mock exams assembled to match CFA topic weights and difficulty, with timed sections and analytics (time per question, sectional score breakdown).
  7. Note-summarizer & cheat sheets
    • Produce 1-page condensed summaries per study session and 1-page last-minute cheat sheets per topic.
  8. Cross-device sync & offline mode
    • Save progress, bookmarks, flashcards, and notes locally encrypted; sync when online.
  9. Smart search & citation
    • Context-aware search that returns LOS, page refs, and linked practice questions; exportable citations for review.
  10. Collaboration & tutor mode

How it improves Schweser PDF

Minimal tech stack

Would you like a mockup of the UI, user flow, or sample study plan based on a specific exam date and weekly hours?

For the 2024 CFA Level 1 exam, Kaplan Schweser has redesigned its materials to match the CFA Institute's shift to a "Learning Module" (LM) structure. The 2024 notes prioritize efficiency by breaking down the expanded 93-module curriculum into bite-sized segments. Key Features of 2024 SchweserNotes CFA Level 1 Study Packages and Notes - Kaplan Schweser

Kaplan SchweserNotes for CFA Level 1 are redesigned to align with the CFA Institute’s shift toward a "Learning Module" (LM) structure, making them more modular and concise than previous editions. Studocu Vietnam Key 2024 Features & Enhancements Bite-Sized Modular Structure : The curriculum is now broken into 93 Learning Modules

, which Schweser replicates to allow for shorter, more focused study sessions. Integrated Learning Management System (LMS)

: Each module in the notes is linked to an online dashboard that includes an Activity Feed Performance Tracker to monitor your progress in real-time. Embedded Quizzes cfa level 1 2024 schweser notes pdf better

: "Module Quizzes" are interspersed throughout the text to test comprehension immediately after reading a concept, followed by "Topic Quizzes" at the end of major sections. Practical Framing

: The 2024 notes use more real-world analogies and updated 2023–2024 data (e.g., current interest rates for mortgage calculations) to make complex formulas more relatable. Digital & Audio Flexibility

: Beyond the standard PDF/eBook format, the 2024 notes are available as SchweserNotes Audio , allowing candidates to study during commutes. Concise Content

: The 2024 notes remain significantly more compact than the official curriculum (approximately 680 pages versus 1,200+), focusing strictly on the most testable Learning Outcome Statements (LOS). Comparison of Study Formats CFA Level 1 Study Packages and Notes - Kaplan Schweser

What's Included * All of Schweser's print and online study tools, including print, digital, and audio versions of our study notes, Kaplan Schweser CFA 2024 Level I - SchweserNotes Book 1 - Zrive

Introduction

The Chartered Financial Analyst (CFA) program is a highly respected and sought-after credential in the finance industry. As a CFA candidate, preparing for the Level 1 exam can be a daunting task, especially with the vast amount of study materials available. One popular study resource is the Schweser Notes, which have been a staple for CFA candidates for years. In this article, we'll explore the CFA Level 1 2024 Schweser Notes PDF and discuss whether it's a better option for candidates.

What are Schweser Notes?

Schweser Notes are a comprehensive study package developed by Kaplan Schweser, a leading provider of CFA prep courses. The notes are designed to help candidates prepare for the CFA exams by providing a concise and organized summary of the CFA curriculum. The Schweser Notes PDF is a digital version of the notes, which can be accessed on a computer, tablet, or smartphone.

Benefits of Schweser Notes PDF

The Schweser Notes PDF offers several benefits to CFA candidates, including:

  1. Convenience: The digital format allows candidates to access the notes anywhere, anytime, making it easy to study on-the-go.
  2. Comprehensive coverage: The notes cover the entire CFA Level 1 curriculum, providing a thorough review of the material.
  3. Time-saving: The Schweser Notes PDF is a condensed version of the CFA curriculum, saving candidates time and effort in reviewing the material.
  4. Practice questions: The Schweser Notes PDF often includes practice questions and quizzes to help candidates assess their knowledge.

Improvements in 2024 Schweser Notes PDF

The 2024 Schweser Notes PDF has undergone several improvements, including:

  1. Updated content: The notes are updated to reflect the latest CFA curriculum and changes to the exam format.
  2. New features: The 2024 version includes new features, such as interactive quizzes, flashcards, and performance tracking tools.
  3. Enhanced visuals: The notes include more visual aids, such as charts, graphs, and illustrations, to help candidates understand complex concepts.

Is Schweser Notes PDF Better?

Whether the Schweser Notes PDF is "better" depends on individual candidates' learning styles and needs. However, here are some advantages of using the Schweser Notes PDF:

  1. Cost-effective: The Schweser Notes PDF is often more affordable than other study materials, such as textbooks or online courses.
  2. Flexible: The digital format allows candidates to customize their study experience, including annotating and highlighting important points.
  3. Accessible: The Schweser Notes PDF can be accessed on multiple devices, making it easy to study anywhere.

Alternatives to Schweser Notes PDF

While the Schweser Notes PDF is a popular study resource, there are alternative options available, including:

  1. CFA Institute materials: The CFA Institute offers official study materials, including textbooks and online resources.
  2. Other prep courses: Other prep courses, such as those offered by Stalla or Elan, provide comprehensive study materials and instruction.

Conclusion

The CFA Level 1 2024 Schweser Notes PDF is a valuable study resource for candidates preparing for the exam. While it may not be the best option for everyone, its convenience, comprehensive coverage, and cost-effectiveness make it a popular choice. Ultimately, candidates should consider their individual learning styles and needs when selecting a study resource. By combining the Schweser Notes PDF with other study materials and a well-structured study plan, candidates can increase their chances of success on the CFA Level 1 exam.

Recommendation

Based on its benefits and improvements, we recommend the Schweser Notes PDF as a study resource for CFA Level 1 candidates. However, we also suggest that candidates:

  1. Supplement with other materials: Use the Schweser Notes PDF in conjunction with other study materials, such as practice questions and mock exams.
  2. Create a study plan: Develop a structured study plan to ensure adequate coverage of the curriculum.
  3. Practice consistently: Regular practice and review of the material are essential to reinforce learning and build confidence.

By following these recommendations and utilizing the Schweser Notes PDF, candidates can feel well-prepared for the CFA Level 1 exam and take a significant step towards achieving their CFA charter.


2.2 Conceptual Clarity (Tie)

The official curriculum is written by academics and practitioners. While thorough, it is often dry, repetitive, and poorly organized. SchweserNotes use bullet points, tables, and margin callouts to explain complex topics (e.g., derivatives pricing, deferred taxes).

However, for extremely nuanced topics like some aspects of GAAP vs. IFRS or advanced Fixed Income calculations, the official curriculum provides a deeper safety net. A smart strategy: Use Schweser as your primary text, but keep the official PDF for the 10% of concepts that don’t “click.”

3. Integrated QBank Access (in premium versions)

Part 5: Where to Get the Legitimate 2024 Schweser Notes PDF

The keyword “cfa level 1 2024 schweser notes pdf better” suggests some candidates are looking for free (pirated) copies. Let’s address that head-on:

Part 4: How to Use the Schweser Notes PDF for Maximum Effect

Simply reading a PDF on a laptop is passive. To make the Schweser Notes PDF “better” than the curriculum, you need an active study system:

CFA Level 1 2024 Schweser Notes PDF: Is It Better Than the Curriculum? A Comprehensive Review

If you are preparing for the CFA Level 1 exam in 2024, you have likely encountered a critical fork in the road: Should you read the 3,000+ page official CFA Institute curriculum, or should you invest in the SchweserNotes?

The search query “cfa level 1 2024 schweser notes pdf better” is trending for a reason. Candidates are looking for efficiency, portability, and clarity. In this deep-dive article, we will analyze whether the 2024 Schweser Notes PDF is genuinely better than the original source material, what “better” actually means in the context of exam preparation, and how to use the PDF version to maximize your chances of passing.


1. Aligned with 2024 CFA Curriculum Changes

If you meant: “Where can I get the 2024 Schweser Notes PDF better (i.e., for free or cheaper)?”

Would you like a comparison table of Schweser vs. CFA curriculum vs. Mark Meldrum for 2024 Level 1?

The CFA Level 1 exam is a rite of passage for finance professionals, and choosing the right study materials is the most critical decision you'll make in your 300-hour journey. As you prepare for the 2024 sittings, you’ve likely seen the debate: is the CFA Level 1 2024 SchweserNotes PDF better than the official curriculum or other third-party providers?

Here is an objective breakdown of why Schweser remains the gold standard for many, and where it might fall short for others. 1. Efficiency: The "Translation" of the Curriculum

The official CFA Institute (CFAI) curriculum is notoriously dense. It is written by academics and practitioners to be a comprehensive encyclopedia of finance. While excellent, it is often too voluminous for a candidate working a 50-hour week. Why Schweser is often "better": CFA Level 1 2024 Schweser Notes PDF: Is it Better

Plain English: Schweser excels at taking complex Learning Outcome Statements (LOS) and explaining them in conversational, easy-to-digest language.

Focus on Testability: Unlike the official books, Schweser emphasizes what is most likely to appear on the exam, helping you prioritize your limited study time. 2. The PDF Format: Portability and Searchability

In 2024, the flexibility of a PDF version of the notes is a game-changer. Digital notes allow for:

Instant Search: Finding every mention of "Deferred Tax Liabilities" across five volumes takes seconds.

Multi-Device Access: You can review Ethics on your phone during a commute or tackle Financial Statement Analysis (FSA) on your tablet at a coffee shop.

Active Annotations: Using a PDF editor allows you to highlight and leave comments without the bulk of physical books. 3. Integrated Learning Ecosystem

Schweser isn’t just a set of books; it’s an ecosystem. The 2024 notes are designed to sync perfectly with their QBank (Question Bank) and Checkpoint Exams.

Each module in the notes ends with "Concept Check" questions that mirror the difficulty of the real exam.

The "Key Concepts" summaries at the end of chapters are arguably the best quick-review tools in the industry. 4. Where the Official Curriculum Wins

To say Schweser is "better" in every way would be a mistake. There are two areas where the CFAI curriculum is superior:

Ethics: The CFA Institute’s examples and "blue box" cases in the Ethics section are the closest thing you will get to the actual exam questions.

In-Text Examples: The official "blue box" examples are frequently the blueprint for exam vignettes. Many successful candidates use Schweser for the reading but return to the CFAI books for these specific examples. 5. Verdict: Is it Better for 2024?

For the 2024 Level 1 exam, which features significant curriculum shifts in areas like Private Markets and specialized pathways, having a streamlined guide is more important than ever.

Schweser is better if: You are short on time, prefer concise explanations, and want a clear "road map" of what to study.Schweser is not enough if: You have a non-finance background and need the granular, deep-dive theory that only the 3,000+ pages of the official curriculum can provide. Pro-Tip for 2024 Candidates

If you choose the SchweserNotes PDF, don't ignore the CFAI Learning Ecosystem (LES). Use Schweser to learn the concepts quickly, but always do the "End of Reading" (EOC) questions in the official CFAI portal. This "hybrid" approach is statistically the most effective way to pass on your first attempt.

For candidates preparing for the 2024 CFA Level 1 exam, Kaplan Schweser Notes are widely considered a superior alternative to the official CFA Institute (CFAI) curriculum for those who value efficiency. While the official curriculum is the "gold standard" for depth, Schweser is often preferred for its ability to distill thousands of pages into concise, exam-focused modules. Why Schweser Notes Are Often Considered "Better"

Conciseness: They break down dense CFAI readings into manageable "bite-sized" chunks, focusing strictly on Learning Outcome Statements (LOS).

Time Efficiency: Studying with Schweser can take significantly less time—often half the time required for the official curriculum—making it ideal for working professionals.

Exam-Style Practice: The Kaplan Schweser QBank is highly rated for mimicking the actual exam's question style and difficulty.

Visual Accessibility: Candidates have noted that Schweser's printed books use larger fonts and a layout that is easier to read than the dense official volumes. Key Differences: Schweser vs. Official Curriculum Kaplan Schweser CFA Review (Is It Worth It?)

For candidates preparing for the 2024 exam, SchweserNotes™

remains a primary resource due to its ability to condense the voluminous CFA Institute curriculum into a more digestible format. The 2024 edition is specifically tailored to the CFA Institute's transition from "Readings" to 93 Learning Modules , reflecting a significant shift in content delivery. Key Features of 2024 SchweserNotes™ Concise Modular Structure

: The notes break down the curriculum into bite-sized modules, allowing for focused study sessions that align with the new Learning Outcome Statements (LOS). Curriculum Alignment

: The 2024 material includes essential updates, such as revised weightings for Ethics and ESG, and new modules on topics like Geopolitics and Corporate Structures. Integrated Learning Tools QuickSheet

: A foldable summary of key formulas, definitions, and concepts essential for last-minute review. Topic Quizzes

: End-of-module questions designed to check comprehension immediately after reading. Self-Tests

: Higher-level assessments included at the end of each topic to gauge overall mastery. Strategy: How to Use the Notes Effectively CFA Level 1 Study Packages and Notes - Kaplan Schweser

For candidates preparing for the 2024 CFA Level 1 exam Kaplan SchweserNotes

remain the most widely used alternative to the official CFA Institute (CFAI) curriculum. These notes are specifically designed to condense the dense CFAI material into a more manageable format by focusing directly on the Learning Outcome Statements (LOS) Kaplan Schweser Why 2024 SchweserNotes are Considered "Better" Conciseness

: While the official curriculum is exhaustive, SchweserNotes summarize key concepts, making it easier to process information in shorter study segments. Module-Based Learning

: The 2024 books are broken into bite-sized modules followed by quizzes, allowing for continuous self-assessment. Focus on High-Yield Topics

: Preparation guides suggest using Schweser to prioritize high-weightage areas like Ethical Standards (15–20%) and Financial Statement Analysis (11–14%). Quick Review Tools : Supplements like the Schweser Quicksheet Updated content : The notes cover all the

provide a fold-out summary of essential formulas and definitions for last-minute recall. Kaplan Schweser Key Comparisons for 2024 CFA Level 1 Exam Prep - Kaplan Schweser

Using Kaplan Schweser Notes for the 2024 CFA Level 1 exam is widely considered a faster and more efficient alternative to the dense, official CFA Institute (CFAI) curriculum. While the CFAI materials provide exhaustive detail, SchweserNotes™ are designed to strip away the "chaff," focusing strictly on testable Learning Outcome Statements (LOS). Why Schweser Notes are Often "Better"

Conciseness: The notes condense thousands of pages into roughly four manageable volumes.

Time Management: Many candidates find they can complete the curriculum in 4–6 months by using Schweser for reading and CFAI tools for final practice.

Focused Strategy: Materials often include the Secret Sauce®, which distills key concepts for final-week review. The "Pass with Schweser" Guide 1. The Core Strategy: 50/50 Rule

Spend roughly 50% of your time preparing (reading Schweser modules and watching videos) and 50% practicing questions. Don't just read; active recall is essential. 2. Step-by-Step Study Flow

Step 1: Read the Module. Focus on the LOS-specific summaries. If a topic like Fixed Income or FSA feels too thin, briefly refer to the official CFAI curriculum for deeper logic.

Step 2: Take Module Quizzes. Use the quizzes at the end of each Schweser section immediately to test retention.

Step 3: Master the Formulas. Keep the Schweser Quicksheet handy for daily review of critical ratios and formulas.

Step 4: Bridge to CFAI Questions. Once you finish a topic in Schweser, do the practice questions in the CFAI Learning Ecosystem (LES). This ensures you are prepared for the specific "flavor" of the actual exam questions. 3. Exceptions: When Not to Use Only Schweser

Ethics: It is highly recommended to read the official CFAI Ethics Handbook rather than notes. The exam requires a deep understanding of nuance that summaries might miss.

Financial Statement Analysis (FSA): This is a high-weight area (11–14%). If you lack an accounting background, the CFAI materials can provide more thorough foundational explanations. 4. The Final Month (Performance Phase)

Mocks: Take at least 4–6 mock exams. Scoring 70%+ on Kaplan Schweser Mocks is a strong indicator of passing (96% success rate in internal surveys).

Debriefing: Don't just check your score; review every wrong answer. If you missed a calculation, find five more versions of that problem to solve.

Do you have a specific background in finance, or are you starting from scratch?

AI responses may include mistakes. For financial advice, consult a professional. Learn more CFA Level 1 Study Packages and Notes - Kaplan Schweser

CFA Level 1 2024 Schweser Notes PDF: Is it Better than Other Study Materials?

As a CFA (Chartered Financial Analyst) candidate, preparing for the Level 1 exam can be a daunting task. With the vast amount of study materials available, it's essential to choose the right resources to ensure success. One popular option is the Schweser Notes PDF, which has been a staple in the CFA community for years. In this article, we'll explore whether the CFA Level 1 2024 Schweser Notes PDF is better than other study materials and what makes it a top choice among candidates.

What are Schweser Notes?

Schweser Notes are a set of study materials developed by Kaplan Schweser, a leading provider of CFA prep courses. The notes are designed to help candidates prepare for the CFA Level 1, Level 2, and Level 3 exams. They provide a comprehensive summary of the CFA curriculum, highlighting key concepts, and formulas. The Schweser Notes PDF is a digital version of the notes, which can be accessed on a computer, tablet, or smartphone.

Benefits of Schweser Notes PDF

So, what makes the Schweser Notes PDF a popular choice among CFA candidates? Here are some benefits:

  1. Comprehensive Coverage: The Schweser Notes PDF covers the entire CFA Level 1 curriculum, providing a thorough review of all topics, including ethics, quantitative methods, economics, financial statement analysis, and portfolio management.
  2. Concise and Easy to Understand: The notes are written in a clear and concise manner, making it easier for candidates to grasp complex concepts. The format is also easy to follow, with bullet points, tables, and charts to help with visual learning.
  3. Time-Saving: The Schweser Notes PDF is a time-saving resource, as it provides a quick and efficient way to review the material. Candidates can focus on areas where they need improvement, rather than re-reading entire textbooks.
  4. Portability: The digital format of the Schweser Notes PDF makes it easy to carry and access anywhere, anytime. Candidates can study on-the-go, whether it's during a commute, lunch break, or while traveling.
  5. Practice Questions and Quizzes: The Schweser Notes PDF often comes with practice questions and quizzes, which help candidates assess their knowledge and identify areas for improvement.

Comparison with Other Study Materials

So, how does the Schweser Notes PDF compare to other study materials? Here are a few popular alternatives:

  1. CFA Institute Curriculum: The CFA Institute Curriculum is the official study material provided by the CFA Institute. While it's a comprehensive resource, it's often lengthy and dense, making it challenging to read and understand.
  2. Textbooks: Textbooks, such as those provided by CFA Institute-endorsed publishers, can be detailed and informative. However, they can be expensive and may not provide the same level of conciseness as the Schweser Notes PDF.
  3. Online Courses: Online courses, such as those offered by Kaplan Schweser, can provide a structured learning experience. However, they may not offer the same level of flexibility as the Schweser Notes PDF.

Why Choose Schweser Notes PDF for CFA Level 1 2024?

For CFA Level 1 2024 candidates, the Schweser Notes PDF is an excellent choice for several reasons:

  1. Updated Content: The Schweser Notes PDF is updated annually to reflect changes in the CFA curriculum. This ensures that candidates have access to the most current and relevant material.
  2. Improved Format: The digital format of the Schweser Notes PDF makes it easy to navigate and review the material. Candidates can search for specific topics, jump to different sections, and bookmark important pages.
  3. Additional Resources: Kaplan Schweser often provides additional resources, such as practice exams, online quizzes, and study planners, to help candidates prepare for the exam.

Conclusion

In conclusion, the CFA Level 1 2024 Schweser Notes PDF is a top choice among candidates due to its comprehensive coverage, concise format, and portability. While other study materials, such as textbooks and online courses, can be effective, the Schweser Notes PDF offers a unique combination of flexibility, affordability, and relevance. For candidates looking for a reliable and efficient way to prepare for the CFA Level 1 exam, the Schweser Notes PDF is an excellent option.

Tips for Using Schweser Notes PDF

To get the most out of the Schweser Notes PDF, here are a few tips:

  1. Create a Study Plan: Develop a study plan to help you stay on track and ensure that you cover all the material.
  2. Focus on Weak Areas: Identify your weak areas and focus your studying on those topics.
  3. Use Practice Questions: Use practice questions and quizzes to assess your knowledge and identify areas for improvement.
  4. Review Regularly: Review the material regularly, rather than trying to cram all your studying into one session.

By following these tips and using the Schweser Notes PDF, CFA Level 1 2024 candidates can feel confident and prepared for the exam. Whether you're a first-time candidate or a repeat test-taker, the Schweser Notes PDF is an essential resource to help you achieve your goals.