Why Our Financial Planning Software is Superior.

Unlike many other vendors that don't even have a phone number, you can call toll-free and talk with someone as knowledgeable about all of this as they come.

We know about not having a phone number because we used to do that, we worked for and with some, and we still know some that don't. Here's the deal with software vendors without phone numbers: They just made stuff as an experiment, put it online; saw that nobody cares nor buys it (mostly because of the state of the economy, the business, and markets), then they gave up because, "Well that didn't work," and went back to their day jobs, just "taking in what the market will bear." So you can imagine how many of their bugs will never be fixed and how well all of that's going to work out when you can't understand something, need support, want to complain, or even want to buy something over the phone with a credit card.

You Choose Between Modular and/or Integrated

Unlike most everyone else, we have both modular, and fully-integrated financial plan software. It's almost comprehensive, because it has modules for almost every facet of financial planning. Here's why it's not comprehensive:

We don't do anything in estate planning because it's the lawyer's world full of trusts and expensive legal problems, uncertainty, confusion, differing opinions, constant updating; then that market has been saturated since the 80's, and has recently faded away because of record low demand. The whole estate planning industry has basically ended because of the high exemptions.

Always being plagued with implementing estate planning updates and tax law changes, which happen more than annually, is one of the biggest reasons comprehensive financial planner software is so expensive, cumbersome, and full of bugs.

Basically since the exemptions were raised so high, and since everyone's investment portfolio has been growing so slowly, if at all, the whole estate planning business has pretty much been dried up for years.

For generating reports used in estate planning presentations, Leimberg's Number Cruncher has been the industry leader since the 80's, they have the most accurate numbers, are inexpensive, and their reports print and fit nicely (and integrate well) into financial plans.

TurboTax is still the most popular tax software, so you can just print those reports and use them in your financial plan. You can also integrate their bottom-line annual tax numbers manually into our cash flow projector for maximum accuracy. Then they'll flow through the rest of the plan.

Most financial plans don't have a detailed tax analysis, because the chances of tax laws and rates being the same even five years out are slim to none, and Slim left town. So whatever you present will be totally wrong and not even close most of the time. Just getting in the ballpark via average / effective tax rates is sufficient for financial planning, so that's the extent of our tax planning software. You'll never get sued if it's obvious you're totally guessing what future taxes will be by using something as inaccurate as an average global rate on everything.

Trying to nail down taxes to any degree of accuracy is a waste of resources, because clients of means hire actual accountants for that. All using financial spreadsheets that makes a resource-sucking fuss over trying to predict taxes decades out is going to do is expose you to more future-predicting liability. So it's best to focus on financial planning and investment management, and not trying to do the tedious work of an actual underpaid CPA (unless you are one too, of course).

Some retirement planners make a fuss over calculating current year's taxes in great detail, but the problem with estimating future taxes is laws frequently change. Retirement planning software that calculate taxes owed assumes current tax law will be the same ten years from now. This has never happened. So you're locked into using these assumptions, and they cannot be changed. So even though it does a good job for the first few years, you'll be using rates you know will be wrong after that. You can change rates in any year with ours.

We could have made a resource-sucking fuss over calculating taxes in great detail, like most of our competition does. But we chose not to. Here's why:

First, after making thousands of retirement plans since '88, using just about every retirement planner every made, the bottom-line is there is no significant difference between making an educated guess and using the most detailed tax-calculating software available.

Just the cost of just having the feature of calculating detailed taxes owed in a retirement planner is usually more than the total cost of RWR. The money to pay the programmer to sit and do this constantly-changing tedious work has to come from somewhere, so it just gets tacked on to the price you pay.

So if this is important to you, then consider buying both RWR and TurboTax for less money than the retirement software you were considering (because it calculates taxes in detail). Then you'll have the best financial software for doing both jobs, for less money. TurboTax is about $50 and you can get RWR for $100. You'd use TurboTax to calculate total taxes due, then you just divide that by gross income, and you'll have the bottom-line average tax bracket number that RWR needs. You won't find just retirement software that will perform half of the needed retirement analysis functions RWR has for under $100. So buying RWR and TurboTax for ~$150 is the best you can do today.

No matter how you do the tax math, the critical number (the annual average tax bracket) will be within a percent or two regardless if you just "guess" using RWR's average tax bracket calculators, use TurboTax, or spend over $1,500 on the most expensive retirement planner. Then in a few years, rates will change by way more than this percent or two, making it all moot (unless you have our financial plan software, where you can just change future tax rate assumptions to whatever you want them to be in every year).

The bottom-line is everything in the financial world is just a guesstimate. So spending hundreds more on expensive retirement savings software, compared to ours, makes little-to-no sense, from the tax calculating point of view. We feel the best thing to do is to calculate the average tax bracket, then just round it up a few percent to be conservative in the guesstimates - so if the result is 17%, use 20%; if it's 22%, just use 25%. This works the best all things considered.

When it comes to calculating taxes in financial planning software, you do not "get what you pay for." You're paying a lot, and getting little-to-nothing of value in return. The best word to describe this mess is to just be "pragmatic" about it. The way we chose to deal with this quagmire is the optimal solution. If it wasn't, then we would have added a detailed tax analysis module to everything years ago, just like everyone else.

Things haven't evolved hardly at all in these two worlds, because everything is built around basic financial and legal concepts that rarely change. The only things that really change are tax laws that make the numbers change. Things like investing, college funding, life insurance needs, and retirement planning have been essentially the same since they first came out. So estate planning and taxes are 95% about keeping up with constant changes in numbers. We just don't want to be bogged down with having to maintain an expensive employee just for that.

If you don't know what's going on with these two parts of the financial planning process (taxes and estate planning), then the Financial Planning eBook helps explains it a little more - enough so you'll know it may not be worth going there, which is what we recommend (unless you're servicing mostly "ultra-high-net worth clients" - which are $12M or more under management. Even $10M can now be easily handled with a simple AB trust).

Back to the modular and integrated marketing blurb:

Modular means you don't need to buy nor use the whole suite of money calculators if you just want to perform one part of the financial planning process - like just retirement. In other words, you don't need to input all of the data needed to run the retirement software, if you just want to focus on the details of making a simple college funding plan.

You can pick and choose just the planning modules you want al la carte. Other vendors make you buy everything at once (because it just doesn't come in pieces), which means it will cost you several times as much, and then it usually makes you input way more data than what's needed to perform only the select tasks you want. This saves a lot of time and work.

Because all of our money calculators are based on MS Excel, you can also integrate the modules to create a comprehensive financial plan. You can share data between the modules as little or as much as you want to, for maximum control. There's also a fully-integrated planner where modules are already hard-wired together.

Other financial spreadsheet vendors also don't have:

• Investment Policy Statements,

• Both turnkey asset allocation software nor asset allocation models which will take you from fact finding to actual implementation of portfolios,

• With monthly-updated mutual fund picks, so you can manage money like a pro without the need for any other investment software, or a FINRA Series 7 (a 6 is all that's needed),

• A comprehensive array of Fact Finders,

• College funding modules,

• The only way to see how much life insurance is truly needed, both now and in the future,

• Dozens of money tools for managing things like bonds, rental real estate, comparing investment strategies, and doing all of the little jobs clients want professionals to do. Only we have all the little financial tools to do the oddball jobs,

• A template financial seminar to get started on making your own custom marketing seminar,

• Consulting services for getting all kinds of work done with no conflicts of interest on a fee-only basis,

• An eBook with a cornucopia of wisdom to solve mysteries about the financial services industry, and how-to DIY training on how to manage money (both for yourself and for clients),

• Six versions of retirement planning software from simple to comprehensive,

• A large array of free tips, tutorials, and downloading of many money tools to help your practice,

• And a list of most all online free financial calculators.

About the Low Prices and Costs

Our initial prices may be comparable to competitors, but ongoing costs are lower. Annual updating is less than half what competitors charge.

Then you can pick and choose only the modules you need, to greatly lower the price. So you're not stuck buying the whole comprehensive package, when you'll probably only use all of those functions a quarter of the time.

One of the biggest reasons financial plan software is so expensive, is because of the Broker Dealer relationship. BDs usually only approve personal finance software from vendors they have financial relationships with. Also once a BD goes through the arduous, time consuming, and expensive process of getting a particular financial plan software platform installed, approved, integrated into their other systems, and then send reps to expensive formal training classes, they're stuck with everything for decades, because they don't have the resources to go through that whole process again. Then they don't let their reps use anything else via the (mostly fake) compliance approval process.

This captive audience creates a quasi-monopoly, which allows money software vendors to charge much more money than their software is worth. Then there are the secret kickback deals between these vendors and the BDs. Some pass this back to the reps disguised as "discounts," and this is then hyped up as, "a benefit the rep can only get through our BD."

This conflict of interest creates a vicious circle that feeds on itself. The result is the state of financial plan software today - it's way too expensive initially, they ding you way too much every year in annual licensing fees, it doesn't do the jobs very well, reps aren't allowed to use better money software that will do a better job for their clients, and the management of both the BDs and the financial spreadsheet vendors are laughing all the way to the bank (in the short-term, but over the long term, quality reps eventually wise up and quit these kinds of BD's to become their own RIAs).

Next, our prices are also so low because Excel makes it easy to program, and then everything "stays put," thus eliminating the need to employ expensive software programmers. These "code-programmers" have to spend most of their time on making things stay put. It's a constant battle keeping up with Windows operating system updates, compiler changes and updates (most programming languages become obsolete every five years), and maintaining "millions of lines of complex code." So with code-programming, you can't just make something, seal it up, forget about it, and then expect it to work week after week. It always has to be something.

This has nothing to do with making financial plans, and all of these costs are just passed on. In addition to making their software cost twice as much as it's worth, this is what's responsible for making things not work, crashes, fixes, bugs, patches, mysteries, numbers not adding up, integration that doesn't work, and time consuming support calls. You don't see any benefit from any of that other than the annual, "Crashes will stop when you pay up again to update and start using the new version." Then the cycle starts over again.

The bottom-line here is that when financial software is based in Excel, ALL of these problems go away forever, users get to save a ton of money, are not constantly annoyed, and are able to get on with their lives in peace.

Personal Finance Software being Based on MS Excel Solves many Important Problems (along with greatly lowering price and cost)

The more experienced you are, and the more you know what you're doing and why, then the more you'll love this personal finance software. Because it's based in Excel, you'll get the best of everything that's truly important:

• You can use Excel's built-in "Goal Seek" function to do all the "What If?" scenarios and goal seeking functions any other money calculator can do, plus dozens more they can't. Just this function alone gives these money calculators way more flexibility, functionality, and power than any other personal finance software ever created.

Goal Seek in Excel '07 & '10 are under the Data tab under What-If Scenarios.

• You have total control over customization of presentation reports, and then printing the finished reports. You can also make all of the fancy charts that any other personal finance software vendor has. So if you want to show something to clients that you're used to seeing in other financial spreadsheets (e.g., explanatory text or images of smiling people mixed in with the numbers), then you can just paste it in, and make it even better than what you had before. Most other vendors won't let you modify any of the pages you'd print and show to clients. All you can do is click print, and you're totally stuck with whatever the programmers hard-wired it to print.

• Most everything is transparent so you can trace mysteries back to your input. Have you ever tried figuring out how other money software comes up with their numbers? You can't because everything is hidden in the code. Then when you call for support, they either don't know, or won't or can't tell you. Most all of our calculation sheets show the flow of calculations going from left to right, in a logical, easy-to-follow manner, so you can see exactly what's going on. So if you really want to see exactly how things work, you can just use a pocket calculator and trace where every dollar came from. This alone has kept large clients from slipping away numerous times.

• You have control over most every dollar in every year using the manual overrides. We're the only money calculator vendor that has this valuable function. This allows the money software to work as things do in the Real World - by being able to account for "random and/or unequal cash flows." This is how you get financial plans to track what actually happens many years into the future. The devil is in the details, so the only way to beat him is to account for as many as possible. Most money planners won't let you account for any, because all you can usually do is input something starting one year, grow it by an inflation rate, and then maybe stop it in a later year. Most financial spreadsheet vendors don't even think accounting for something as basic as unequal cash flows is even needed.

Trying to do this level of work using "code-programming" would be way too complex for kind of the programmers common financial plan vendors can afford to hire and keep. Excel just does it all automatically.

Then most programmers are just following the directions of their financial bosses, and while competent to program, are basically clueless on what they're doing and why they're doing it. This is because their degrees are not in anything financial, so they don't know anything about financial planning or investment management. They also have never met a real client, and so they have no idea what YOU need and want, nor WHY. All they know is what their bosses told them to do. Then their bosses don't even know. We know.

• Excel allows the ability to program a superior Monte Carlo methodology.

• You can have and save an unlimited number of financial plan "versions" and/or client scenarios.

• You can easily send just the results to clients via e-mail. How to do that is explained at the bottom of the Excel help page.

• You can have better control over online custodian downloads of investment account values.

• Excel allows the input cells to help guide you on what to input. Most input cells change color after you input data to help organize your work. Also, most every input cell uses validation, so when you make a mistake, you'll probably get a built-in error message that tells you what you did wrong, and how to fix it. This makes it easier to use than most canned programs.

• While most money calculator vendors can take years to implement simple solutions to problems, we can usually do it the same week. Find a major bug with a simple fix in code-driven financial software, or make a great suggestion, and see how many years it takes to get 'er done. Then even if you come up with a major find, they're not going to do anything to thank you. Whereas we'll give you all kinds of freebies for helping out, and fix it in no time.

• Popular money software is usually very hard, cumbersome, confusing to operate, and takes a long time to learn. Some are so hard that experienced paraplanners need to be hired; which are very hard to find, move to your office, train, license, manage, are very expensive, and then quit on you all the time. They usually quit right after you send them to expensive money software training classes, because it's there they learn they don't want to spend their lives working with terrible software. There's none of that when it's in Excel, and this is why there's no need for us to conduct formal training classes. Just the directions are adequate.

• Excels allows you to permanently keep your inputted client data. With code-driven software, you could lose everything when it goes away, there's a new version, or it expires, or you just don't pay more money in one way or another. For example, in 2007, EISI / Financial Profiles just stranded all of its users when it came out with a new version that didn't talk to the old version. So years of inputting client data into the old database was permanently lost with no way to recover it (the old version completely stopped working, because it went to a cloud to check status, then it was told it was an old version, then it was completely kaput). They did this to force users to pay to upgrade because EISI really needed the money. Then users that did pay to upgrade found that the old version still didn't talk to the new version, so they were still permanently stranded (because they never fixed that). That can't happen with Excel, because you'll always have all of your client data in the input cells (even if the program expires).

• Excels allows you to work offline, so you don't have to hunt for Internet access, nor be vulnerable to connection malfunctions at critical times. You'll never have to go online to log into a flakey server to get any work done. Everything is done on your hard drive (and then you can upload it to a server if you want to do things online). You'll also never be "forced" to upgrade your Internet Explorer, nor your version of Windows, because some young programmer wants to implement some new cool feature that only works with the newest version of IE, Flash, multimedia players, or any of the ActiveX scripting (that opens the window to viruses and/or spyware).

With our way, you can also ensure none of your client data will ever leave your control, by simply putting a password on your PC (and/or the spreadsheets). Who knows who's looking at your clients as marketing leads when it's all online. Even if the company swears they protect your privacy, a clever employee could be selling your data to lead-generation firms as a part-time job (without the company ever knowing - e.g., both Guugle and Facebook had rouge employees selling leads to data mining firms in mid-2010). These two firms employ the best security as humanly possible - so think about how well marketing firms like Morningstar are safeguarding your data! This stuff happens on a daily basis - it's probably happening right now. There's whole armies of clever programmers in Russia, India, and China that would sell your mother to the devil for a penny in a second. All it takes is one "security flaw" in a cloud server, and your practice could be toast in no time. In this Word docx download, you can see that Ameriprise, JP Morgan, Citi, and Capital One, and a lot of other financial services firms that work in the clouds, were hacked into. This could have been, and will eventually be you, if you cloud compute, it's only a matter of time.

News flash: There is no "cloud." The cloud is just the latest (Microsoft) marketing name given for a server that is not in your office.

If and when we ever do "cloud computing" the cloud will just be a server sitting in our office (that we will have 100% total control over, and can also see everything that's inside it). So the bottom line question is, where do you want your confidential client data to reside? In a PC in your office (where it's safe and secure), or a server in a large corporation (where anyone can get into it and see what you're doing, and with whom - so they can market to them too)?

To make a very long story short, if you're gullible enough to fall for this cloud stuff, then you shouldn't be surprised when the series of disasters start happening to your practice.

Please remember, we tried to be the first to warn you. Just because something is new doesn't mean it's good, nor does it mean it will survive more than a few years. When something new comes along, instead of asking yourself, "Can I do this?" you need to be asking yourself, "Should I do this?" Just like everything else, you will see for yourself after enough time goes by.

For investors: You should ask your advisor if they are working in the clouds (when they use CRM, investing, or financial planning software - not trading software). If so, then it's only a matter of time before there's a major "privacy breach" and your identity and all of the personal information you told your trusted adviser is sold to the "evil-doers." So our advice is to just say no to advisers that cloud compute and find a better one that is smart enough to see where this is going, and thus stays operating in the Stone Age where your world is safe.

• There's nothing you or your computer can do to make our money tools not work. In financial software that's not written in Excel, the first thing that happens when you call for support is you're asked a series of questions about your computer, "What kind of computer do you have, how old is it, how much memory do you have, which version of Windows are you using, did you do this or that update yet, etc." This is just their way of trying to blame their non-functional financial software on on you or your computer. This will never ever happen with ours. There's absolutely nothing you can do to your computer that will make it not work, assuming you don't do something to break Excel. As long as your Excel works, then everything will always work. Then if you do break your Excel, you can just get out the install CD and reload it in minutes, without having to hire a local PC doctor.

• With Excel, there's never any dangerous installation, setup, de-install, or update procedure that overwrites Windows DLL files. Several times in the 90's we used financial software that destroyed Windows so badly that we had to reformat the hard drive. All it takes is one stupid programming mistake on an setup install shield, and you could literally lose years of work (and maybe the dollar cost and time lost rebuilding, or having to buy, a new computer). Then all you're going to get is, "Wow, sorry man, yeah that's a bug we've been working on," from the vendor (all of the above actually happened more than once).

• Code programming causes all kinds of "bugs" where it locks up your computer, or otherwise crashes and makes you reboot, causes other programs to stop working right, puts icons / favorites / shortcuts all over your desktop and browser to drive you to their websites (that have been known to collect information about you and your clients to sell to spammers and other marketing firms).

• Good financial plan software programmers are usually young, expensive, and flaky; so they quit all the time because they always want more money, less stress, and a shorter work week (which adds to the problem of bugs never being fixed). These kinds of software people rarely fix their bugs unless most all of their customers complain, or the bug causes computers to crash. Fixing the endless list of minor bugs is usually on the bottom of to do lists; because the bosses (salesy marketing types) are always pushing them to add cool new features that they think will make sales increase in the short-run. There's none of that going on when it's in Excel.

• Code-driven money software can also stop working when you go to Microsoft's free website to update any MS program (mostly Windows). This is because MS is updating new (DLL) files that the code-driven money software installation procedure should not have overwrote in the first place. Your whole world can stop when this happens.

• So there's always an endless parade of "patches" to fix an endless array of bugs, that always come back. This means that all of these programs are filled with bugs and things that don't work right, and will never get fixed. For example, we've been whining to Morningstar about the same annoying bugs going on fifteen years, and they just don't care. A great tip-off to this is just to look at their site's support page. If you see any link to a page where there's a list of "patches," then thereyago. As you can see on ours, there's none of that. There's literally nothing on the list of things to do that has anything to do with anything not working right. This is ALL because of one thing - the decision to use Excel back in '92.

• Then just getting the money plan software company to admit their programs have bugs in the first place is like trying to pull the horn off an angry rhino. The first thing they ALWAYS do is find some way to blame it on you, your Internet connection, or your computer so they can get you out of their hair. With Excel, you can just say no to all that forever.

The solution to ALL of these problems nowadays is to just use an existing software platform where billions of people-hours and billions of dollars have already been expended on perfecting the platform the software runs on - this platform is the same dozens of millions of people use daily - Microsoft Word and Excel.

Once you have lived in both worlds, you'll agree that the old-school thinking of having to buy the most expensive canned software to get good results just doesn't apply anymore. Now that computers are so fast (and can work with spreadsheets over 20Mb - which was not the case until WinXP), Excel is just too slick to use anything else for serious number crunching. So if this was 2002, most of these advantages listed would not apply because of Windows limitations would make using Excel unpractical. That's all over.

If you don't believe this is true, then ask yourself why EISI (Naviplan and Financial Profiles) "went under" and had to be bought out, yet again, in 2011?

We use Superior Monte Carlo Methodology

The way our retirement software, IFP, and college planner software performs Monte Carlo simulations is far superior to all other vendors. This means lower risk going forward in the Real World for you and your clients.

Basically, most other vendors just iterate the rate of return on investments, and comes up with a probability of success number. Ours does that too, but at the same time, it also iterates inflation and taxes as well. These two variables are responsible for much more outcome failure than just not realizing a needed rate of return. We also use a more realistic range of variables than other vendors. Read all about it on the Monte Carlo page.

We're also the only vendor that has Monte Carlo on the college planners.

About Financial Plan Software that tries to Do Everything for Everyone

The end result of financial planning software vendors that try to "do everything for everyone" is already out there. These vendors have the capability of performing many of these tasks, but the end result is that they don't do hardly any of them very well. They do them adequately, but don't excel in any particular one of them. We like excelling, because we can.

The goals of this kind of investor software, from the client's point of view, are to make the best financial plans possible, and make investment portfolios match clients' lives as closely as possible. Vendors that make expensive financial planner software that does everything for you, may seem to make your life a little easier, but it doesn't excel in what clients' want most from you - Real World results they can use to make important decisions that will affect their lives for decades to come.

This financial plan software excels in actually doing the financial planning and investment management work better than any other vendor, for a fraction of the cost. We don't want to get bogged down in all of the very expensive and time-consuming areas that other vendors already have covered. We want to continue to be the premier source for financial planning software that does the "heavy lifting," the most profitable tasks, the most important tasks, getting the most correct answers to the big questions clients will pay to get answered; and of course, actually getting great investment returns with low risk. This is how YOU make money.

So obviously we recommend buying our suite of financial planner software, and then in addition to that, buying financial software from the best vendors that excel in doing all of the other functions we don't care to do. For example: Morningstar for the investment database, TurboTax for taxes, and Leimberg's Number Cruncher for estate planning. This is how you can do ALL of your functions way better and cheaper.

Then not only will you have financial plan and money management software that excels in everything you need, but it will probably end up costing less in total than buying comprehensive planners that try to do everything for everyone. It may be harder to work with and cause more inputting of client data, but the bottom-line is that you're going to be able to do much better jobs for paying clients - and that's how you get paid and survive. Clients will give money to, and will refer their friends and family to, those that can deliver the best Real World results at the lowest cost. We offer Tools For Money that does all that, at the lowest cost, no contest.

When you buy financial software that claims to do it all, then you're getting tons of fancy fluff, but with little red meat. Just ask your clients which they prefer, and they'll tell you that they want the meat and couldn't care less about the fluff.

Summary

• These financial tools excel in working like things do in the Real World - by allowing control over most everything, having the flexibility to analyze virtually any investment portfolio / financial planning / retirement planning scenario, which gives clients what they want and need with no conflicts of interest, which helps keep financial planners out of compliance trouble, and then allowing total control over printed reports. All for less money.

For consumers, it helps you invest more wisely, doesn't overwhelm you with meaningless text, charts, numbers and reports, and gets the jobs done better than if you were to hire a highly-paid financial planner.

• Commission-based financial planners don't need a FINRA Series 7 license to manage money using this investment software. A Series 6 is all that's required (if you stick to our all-mutual funds program).

• You can usually get your financial software delivered (and working) via e-mail in less than an hour.

• There are periodic marketing sales when you can get huge discounts.

• With the multiple-user versions, which they all are, it's easy to get the programs to work on more than one computer, because you can just use a USB drive, or e-mail the programs to yourself as attachments. So if you're half way done making a retirement plan in the office, and then have to go home, you can just e-mail it to yourself, and then pick up where you left off at home. Then send it back to your office when you're done. You cannot do this with code-driven financial software. Try it and see that it only works on that one computer at the office.

• There are no indirect costs with this financial plan software, such as training, software add-ons, or hardware / database / network upgrades.

• There are no conflicts of interest of any kind here. We just want you to succeed at doing your job so you can make a good living saving the financial lives of one American family at a time. Our money calculators don't exist simply to help a life insurance company peddle more product that's rarely good in any way, move proprietary / captive investment products, nor sell more financial plans just so the para-planner in the BD back office can survive.

• This is also the place for people who are annoyed by e-commerce: This website and money calculators are 100% clean. This means there are no cookies, ads, Java, scripts, flash, Active-X, pop-ups, redirects driving you to marketing sites, putting you on junk e-mail or phone lists, slow-loading videos or graphics, it won't put web shortcut icons on your desktop, alter your favorites list or browser, or make you go online to do your work. None of that here.

There's also no macros on the financial spreadsheets (or Word docxs), other than the Monte Carlo macros. So there's no "hidden" programming that's capable of doing anything that you don't know about.

• You're not going to be "marketed to" in any way once you're a customer. There's a small army of under-employed people wanting to make an easy living at home by telemarketing, e-mailing, postal mailing, and spamming the clients of financial software companies (financial advisors). They're using the famous bank robber, Willie Sutton's, method of getting rich quick by painting a target on your back because they think, "That's where the money is." They either want to contact your current customers to increase sales, get referrals; or use your data to sell to others (like spam lists, the NAPFA database, lead generation firms. your competitors, etc.). We're contacted by them annually (and by spam almost daily), and we always say no. So nobody is going to call, spam, postal mail, or anything ever after you buy money tools from us.

• Since we've been using everyone else's financial plan software to do work for clients since '88, you'll see the same functions and capabilities in our money software. So we've "been there and done that" when it comes to what everyone else does. We know how to do it all more logically, more straightforward and to the point, faster, more bug-free, way cheaper, with more user control, better printing, and with much better Real World results.

Personal Finance Software Modules For Sale
(are listed below)

Fully-Integrated Financial Planning Software

Menu of Retirement Planning Software

Asset Allocation Overview with Historical Portfolio Performance

Comprehensive Asset Allocation Calculator

Asset Allocation Models with Investment Track Record

Monthly Updated Mutual Fund Picks

TVM Financial Tools

Free Personal Budget Software

Financial Planning Fact Finders

Investment Policy Statement Software