Get Financial Plans and/or Retirement Plans Made Using Our Software, and/or You Can Let Us Manage Your Money According to Our Model Portfolios or Comprehensive Asset Allocation Software

We're an IAR under a CA RIA, so we can manage your money just like any other money manager. So if you like our Model Portfolios or Asset Allocation Software, and want your money invested like that, then we'll do that for 1% annual fee with $100,000 minimum account sizes.

So you can also get your sane, rational, boring Hybrid Model Investment Portfolios custodied with our CA RIA. Normal accounts are under the main RIA, which is Magnum Financial www.magnum-financial.com.

For investors / consumers, the biggest items of interest are getting a financial plan created that forecasts one's financial future using the single RWR retirement software.

You can download a free sample comprehensive financial plan to see examples of what you'd get. The page that explains the sample plan is here.

Whom work is done for, and what's done for them is 100% confidential - nobody will ever know but us. Your information will not be sold, put on any lists, nor will any of the usual corporate shenanigans ever happen. So nobody else is ever going to call, mail, e-mail or anything about anything ever.

One compromise between doing all of the work yourself and having us do it all, is to just have us do the proposed / recommendations part. You'd do all of the work inputting and generating the current / old version, and then we'll take it over from there, just making the new Proposed version.

You'd still have to implement your own financial plans though. This is one reason why it's about one third of the price of hiring a local planner - the other two thirds that a financial planner would charge is for doing all of this trading and mundane paperwork. Doing it yourself cuts our total fee down by more than half.

Summary of the Usual Sequence of Events

• E-mail or call (707) 996-9664 asking what this is all about.

• Once you know, just select what work you want done. We'll go over this in detail so you'll only get what you want.

• You'll get a price estimate of how many hours it will take to do the work. Most of the time, it's less than one week turnaround time.

• You'll receive a completed plan, recommendations and all of the software tools needed to do the work. Then you'll have the actual 1-yr software license to play with, so you can input changes and all of the "What-ifs" you want to.

Typical Consulting Job Example

If you wanted an RWR retirement plan, without doing a detailed family budget analysis (to get better estimated retirement income goals), and you wanted to do it all via e-mail, and not the phone, then you'd pay $795 for the planning, including fact finding, plan development, recommendations and a 1-yr license to the software so you can continue to update or run what-ifs.

You'll have a hard time finding someone willing to do it for less than that. Even then, all you'll end up with is a paper report.

On top of all of that, then you still won't have the actual retirement software. So you'd have to pay them again and again and again to get any changes (and or "What-ifs") you want made. It's always has to be something, so this by itself will probably make the whole deal worth it.

If you're already an RWR customer, we can still develop a plan and or review you plan and offer a proposed plan with recommendations. Fees would still be $795, and we'd provide a new 1-yr license of the RWR software.

If you inputted both the Current and Proposed data yourself, and just want us to look it over, then you can purchase our services on a consultation basis. We charge $175 per hour and would expect most reviews to take no more than 2 hours, including written recommendations and concerns.

The Process

• You'll receive, via e-mail, all of the pertinent Financial Planning Fact Finders and our letter of engagement.

Then you'd fill them out and send them back via e-mail, fax, or post. Directions on how to do that via e-mail are here. This is for gathering your information so we can know you well enough, then input data into the software. You do not have to pay for the Fact Finders (but advisors would).

• You'll probably get a list of "more data needed questions" after we look the Fact Finders over.

• Once we have all of the data, you may get a revised price quote if it looks like it will take longer than originally estimated. This happens about a quarter of the time.

• You'd then pay half up-front via credit card.

• When the work is done, the programs are e-mailed to you (just as if you bought the programs, but with your data input into them). Then we'll discuss the results via phone which usually takes about one hour and is included in the original fee. Additional support, conversations or direction is billed at $175 per hour in 15 minute increments.

If you can read and understand the program's directions, then you'll be able to understand it all without being charged for a detailed explanation. So if you want to save money, then you'd get the program back, read the directions, and then ask about what you still don't understand.

Most of the time, everything is clear enough that there's hardly any questions (because there will also be brief explanations when the work is done as a normal part of the process).

• We tweak things until you're satisfied (billed at the normal hourly rate). If you make changes, or mistakes, then it's billable time at the normal hourly rate. Fixing mistakes on our part doesn't count toward any billable time.

• Periodic updates are up to you, and are billed at the same rates. It only takes a fraction of the time because your data is mostly already there. Most people can get an updated retirement plan in less than 1 hour including a conversation which often incudes new recommendations.

About Billing for "Prep" Time

For some people, just getting to the point where work can be done (reading e-mails, digging through statements and previous e-mails, teaching, doing research, phone tag and calls, etc.) can be several times more billable time than actually doing the work using the financial software.

We include this work as part of our basic fees, however we reserve the right to stop the process and re-negotiate the fee if we are experiencing excessive time on prep for whatever reason that is beyond our control.

This is all still much cheaper than hiring a local financial planner - and then you'll get the actual software to fiddle with when it's done too. Then the bottom-line quality of the work will probably be much better too.

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization