APA (7th ed.) Citation

Gitman, L. J., Joehnk, M. D., & Billingsley, R. S. Personal financial planning (Thirteenth edition.).

Chicago Style (17th ed.) Citation

Gitman, Lawrence J., Michael D. Joehnk, and Randall S. Billingsley. Personal Financial Planning. Thirteenth edition.

MLA (9th ed.) Citation

Gitman, Lawrence J., et al. Personal Financial Planning. Thirteenth edition.