Can somebody suggest me a good book on Financial Planning & Taxes?

I am an insurance agent and mutual fund distributor. I am a science graduate, and hence know least about concepts of commerce.

I am looking for a book which can help me offer better financial planning to my clients. The books should explain the concepts of various investment instruments like Mutual Funds, Stocks, Real Estate etc. It will be great if the books contains chapters on Taxes (and its various sections). In a nutshell, a book for dummies on Financial planning and Taxes.

Please suggest. Thanks a ton.

As a layman out of the U.S. can somebody in economics tell me why the U S Govt bailed out the banks ?

Was it a free lunch or were there conditions behind the bail out, is what I am interested in. I know the collapsing of the banks due to heavy loan disbursements against mortgages. They collapsed because the people having taken those loans, lost them in the Stock market etc and they cannot repay the loans and instead preferred to surrender the mortgaged property to the Banks.