Tomorrow is my nephew's graduation. He's only leaving the eighth grade, excited to begin high school next year, but this momentous event serves to remind me of my promise to him - and to me - to help steer his financial course as he proceeds through life.
 
I know - he's only 14 - but I so want him to have the right tools to learn financial responsibility and the importance of investing at an early age. I began investment accounts for him and his younger sister shortly after their births. Each year, when we receive the annual reports for their investments, I attempt to discuss the companies with them. Of course, the only one in which they have any interest is McDonald's - and only then, because of the coupons for free food in the annual report!
 
Nonetheless, I am not deterred! The poor kids are constantly subjected to "Aunt Nancy's Long-Term Financial Plan," but they are good sports and humor me.
 
I didn't have to think too long and hard about possible graduation gifts, of course. More shares, it is! But in the process of selecting the shares to purchase for him, it occurred to me that today's graduates - whether from high school or college - are in dire need of some solid advice to help them begin their investing life.
 
So, if you have a graduate near and dear to your heart,

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