Reselling Financial Plan Software to Make Money.

We're looking for people who are willing to actually do some work to make good easy money. If you're thinking of using automated, and/or the usual "free" ways of online marketing, this is not for you.

This is a great opportunity either for a young college student with no experience in anything, someone already well-versed in the business, or people that already have financial planning or investment-related websites.

All you need to do is contact financial planners and investment advisors and make them aware of the site. They'll take it from there themselves. You don't even need to learn anything or sell anything. If someone asks you questions, just say you don't know, and refer them to us via the site.

If they buy, then you'll get 50% of the sale, via check in the postal mail or PayPal transfer.

So all you really have to do is call up a financial planning firm, identify yourself and say, "I just want to make you aware of superior planning and investment software. It's Toolsformoney.com. If you buy anything tell them you heard about it from me, and you'll get 25% off."

You can follow up with them all you want to, but it's not necessary.

In order for you to make money, the purchaser has to somehow tell us that you sent them. There's no magic thing that's going to happen that will let us know a sale initially originated from you or your site. If you can think of a magic way, then we'd love to hear it.

So it's up to you to get people to go through the extra step of letting us know. The best way to do that is to take a hit on how much money you'd make. For example, tell them they get a 25% discount by going through you. So in order for them to get the 25% discount, they have to tell us "I want the 25% discount because (your name here) sent me." Then you'd make 33% instead of 50%. It's still free money for both of us.

If you want to learn more to make more money, the best place to start is on the financial plan comparison page.

There's dozens of thousands of advisory firms listed online that are easy to find. For example, we have a financial planner directory. Then there's free online phone books for every place in the world. Don't call anyone on listed on our sire because they already know about us. Your job is to get people that never heard of Tools For Money to look at it.

Even if you made hundreds of calls per day, you can never run out of leads because new firms pop up daily. Commission-based salespeople also quit their Broker Dealers and become their own independent RIAs on a daily basis - this is your target market.

Our Arrangement is Simple:

◦ We don't bother our existing customers, so you won't have access to any of their contact information. So this free and easy way of getting existing customers to buy more, or give referrals, is off the table. This is something we could do ourselves for free, so we don't need nor want you to do that.

◦ No e-mail marketing (spam) is to be sent. This is something we could do ourselves for free, so we don't want you to do that.

◦ We're not going to have prospects input any of their contact information online in order to get a demo, free trial version, etc. So this free and easy way of collecting contact information from people expressing online interest is off the table. This is something we could do ourselves for free, so we don't want you to do that.

◦ If you have a website or hard copy print media, then you're free to use it to market our products in any way other than e-mail spam.

◦ All orders go through us. All it takes is for the customer to mention your name with the order, and you get your 50% of the net sales proceeds. You won't be delivering any software to customers.

The concept of buying from us at "wholesale" and then selling to your customers at "retail" doesn't work, yet. It probably will in late 2010.

◦ The customer can order themselves using our online forms, via PayPal, we can take it over the phone, or you can take it over the phone. It doesn't matter.

◦ You will not have to provide any sales or product support. We do all of that. Your only task is to make people aware of the site so they'll start reading.

◦ We're not to spend time on you. So there's no training, no reimbursement for your expenses, etc. We'll help you get started, and answer your questions, but all of the information about everything is already in great detail on the site. All you have to do is study it.

◦ You can't promise people things that are not true. You can't say you'll deliver something that won't be delivered, or that a software module performs a certain function when it doesn't. You'll be terminated the first time something like that happens.

That's about it. It's a simple deal for someone that's not too lazy to make the calls, put a link on their website, or send out postal mail.

If you're interested, please call (800) 658-1824 or send e-mail.

Done correctly, anyone should be able to make around $100 an hour over time by making simple, easy, non-sales marketing calls to financial planning and investment advisory firms (you don't call consumers).

I tried this myself in Denver in '06 to see what would happen. I called everyone in town - around 425 firms. After I made twenty hours of calls (there were only about 275 firms there, as most moved or had disconnected phones), I made about $2,250 (and I sucked at it big time). But it took a few months for all of the money to come in.

Making money from sales like this won't be immediate. About 10% will be, 25% will take a week, 25% a month, and 35% more than a month.

This is not a secret, there's nothing dishonest, deceptive, illegal, or immoral, or anything about this. So there's no reason to lie, be deceptive, hide anything, or feel like you're doing anything wrong. If people ask what the heck you're doing, then just send them to this page. You're just on the phone trying to make money doing good honest biz.

These are very professional conservative Republican very hard-working normal people, so always be professional, nice, and happy if possible.

You'll need a land line unless you have unlimited minutes on your cell phone. Once you have a land line, you can dial *67 before you dial the number, and then your phone number will show up as blocked on their caller ID. You probably want to do this so stupid people won't call you to ask questions.

Wait until 9:30 AM their time, and stop calling about 6:30 PM their time. You'll have the best chance of reaching the main person after 4:00 PM EST, because that's when the markets close. Also, chances of talking with the main person go up if you call while the assistant is at lunch, hasn't come into the office yet in the morning, or has left for the day (so calling at 8AM and 7PM usually gets past the screener). The main people usually stay hours later than staff (and usually come in hours later too).

When you make your calls, quantity is the goal.

All you want to do is get four points across, then move on:

1) "Hi, my name is...."

2) "I just want to inform you of a superior way of doing financial planning and investment software."

You're hitting on a raw nerve here, because nobody is happy with their software, so they're always looking for something better. And since we don't market, most people will never have heard about this site before (this is a huge untapped market waiting to be milked).

3) "It's Toolsformoney.com If you think they're writing it down, say, "It's Tools ef oh ar money dot com, not the number four."

This is to make sure they don't go to Tools4money.com, which happens and is useless to everyone.

4) "You get 25% off of everything if you say "your name here" sent you."

Then say bye nicely. If they say thanks, then say, "You're welcome, thank you."

That's it. Your thing is just to make people aware of the site. You also may want to mention if there's a sale, like there is now.

So use your own words, but all you have to do is get these four points across, and then MOVE ON TO THE NEXT CALL. You want to make dozens, if not hundreds of calls daily, so move on once you've made your point. If they want to talk or ask questions, then tell them to call us (or I'll call them). You don't know enough to talk or answer questions, so you'll just mess things up, so don't even try.

This is how 95% of the calls will go (assume your name is Jason and Jeff is the advisor - you saw his name on the web):

- Find a lead on the web (Mike will show you how, it's easy).
- Call the number (using the lead below as an example).
- "Financial Advisor Alliance, how may I help you?"
- "Yes this is Jason Woodman, may I speak with Jeff please?"
- "Who's calling?"
- "Jason Woodman."

Now one of two things will happen. Either you'll get to talk with Jeff, or you'll be screened. If you get Jeff, then...

- "Hello Jeff, this is Jason Woodman, I just wanted to make you aware of a superior way of doing financial planning and investment software."
- "Really, what's that, who is this?"
- "It's Toolsformoney.com" (wait a sec for them to write it down or go to the site, then say) "Tools ef oh ar money dot com, not Tools the number four dot com."
- "Okay I made a note and I'll look at it later"
- "Great, you get 25% off everything by saying Jason sent you."
- "Really, Jason says I get 25% off, okay, thanks"
- "You're welcome, thank you, bye."

If you get the screener, then it will go like something like this:

- "Jeff isn't available. Can I take a message or would you like his voicemail?" or "What's this about?"
Either is fine, but first ask for voicemail:
- "Hello Jeff, this is Jason Woodman, I just wanted to make you aware of a superior way of doing financial planning and investment software. It's Toolsformoney.com. You get 25% off everything by saying Jason sent you. Thanks, bye."

If leaving a message with the screener taking notes on paper:
- "I just wanted to make him aware of a superior way of doing financial planning and investment software. It's Toolsformoney.com. You get 25% off everything by saying Jason sent you."
- "Okay I'll give him the message"
- "Great, thanks, bye."

Sometimes, they'll want to get rid of you because they don't like sales calls. There's little you can do, there's too many other people to call, so just get rid of them ASAP by hanging up, or saying the script fast anyway, then hang up. The key word is, NEXT. If they resist, then just move on. If you can't figure out how to get to them write the site URL down, then just hang up and move on.

About a quarter of the time, you'll get the main person (or the person in the office that actually uses the software) and they'll be interested now, will go to the site now, and will start asking questions.

Don't worry; just say, "I'm just trying to make money helping Mike out by making calls. I don't know squat about this stuff. Would you like Mike to call you?" This is a hot lead which has a 50% of making you $100 today, so tell them Mike will call them back, then call me, and if I answer the phone, I'll call them right then.

Just use common sense. No matter how this ends up, you'll probably make $100 every time someone is even vaguely interested like this. They'll poke around the site for a while, see something they're interested in, then they'll either call or send an e-mail.

This usually goes, "Yeah some guy named Jason called and gave me your software website. He said I get 25% off everything... what's the deal?" Then I'll just say, "That's correct. Jason's one of my marketing people, and you get 25% off everything on the site." Then they'll launch into the normal rounds of technical questions, which usually leads to on average a $100 sale within a day or so.

Try to talk with the main person, not the secretary/assistant, but don't make a fuss about it. Leave the info with the assistant if they make a fuss. Don't fight them over talking with the lead person. In this biz, the assistant will give your four points to the main people, or the people using the software. They all have to use some form of this software, so they will get around to it. Also be aware that in this biz, it's normal to have male assistants answer the phone. So don't assume it's the main person on the phone just because a male answers - keep asking for the main person. If they offer to leave a message for the main person on voicemail, then do that instead of having the assistant write it down.

Don't feel bad if you get an answering machine - just leave your same four points on the machine. The end result will be the almost the same - they'll make a note of the site name, will go to it later, and they'll remember your name because they want to 25% discount. Yes, this means that you can make calls on weekends and just leave messages (don't call after 7 PM or before 11 AM if you call on weekends or holidays because you'll probably be getting the main person's cell phone and they'll be annoyed if you wake them up or disturb their dinner).

75% of the people will be nice and normal, and will result in the decision maker looking at the site. 25% will be a pain. Just get rid of these 25% ASAP by hanging up and moving on.

The 25% discount is their incentive to look at the site. They want to save 25% and they're always interested in new things like this.

Don't worry about the National Do Not Call Registry - that's just for calling to consumers. You're calling businesses, so it doesn't apply.

Don't feel that your efforts are being wasted if they're not all excited and say they'll look at it right away (what the assistant says is irrelevant, all that matters is what the main people think). These are busy folks (most of the time) so chances are good they wrote your message down and will get around to it in a day or so. This is all you can hope for. It's a numbers game, so don't dwell on calls you've just made. Just move on and make more. The more calls you make, the more people will look and buy.

Once you've made money and have time to read the site, then you can move more into a sales role if you want. You can make two to three times more money if you can sell and answer basic questions. Right now, just say you don't know squat and to either call or get their number and I'll call them.

Here's some guidance as to whom to call and whom to avoid, by what company (Broker Dealer) they work for (in general all Broker Dealers, BDs, are bad):

Good: RIAs (Registered Investment Advisors) These people work for themselves, some through a Broker Dealer but most not, and is our target market (because they're allowed to use any software they want to).

The best group of RIAs that work for a Broker Dealer are LPL Financial (Linsco Private Ledger) reps. RIA's not with a BD are the best leads. You can find them here: http://www.napfa.org. NAPFA even sells lead lists with thousands of advisors just for this purpose. It's expensive, but if you're actually working, this will make you way more money than it costs (and no, we are not going to pay for anything for you!).

Bad: Life insurance Broker Dealers like AIG, MetLife, AIG Advisors (SunAmerica, American General Securities, Sentra Securities, Spelman and Co.), AXA Advisors (MONY life insurance), and NY Life Securities.

Stockbrokers are bad too so avoid them: Merrill Lynch, Wachovia, Smith Barney, Schwab, Scottrade, Ameritrade, JP Morgan. So when you see these firms anywhere on the planner's webpage, then skip them (because most of them won't be allowed to use most of the software, long story).

For example, when I Googled "lpl financial planners" without quotes, there are thousands of quality leads. For example, the fourth is:

Jeff Rose, CFP®, LPL Financial Advisor Alliance InvestmentPlanning Group. Jeff Rose, CFP®, LPL Financial Advisor by the Certified Financial PlannersBoard of Standards (CFP Board).

So you want to click on his site to find the phone number (most phone numbers will actually show up in the Google results, so you won't need to click the link to find it), call, and talk with Jeff Rose.

The CFP stands for Certified Financial Planner. This is the best lead you can hope for (for a BD rep, actually, CFA is better than CFP). Other letters that are good are: CFA, ChFC, RIA, MBA, JD, and CPA. The more letters after someone's name, the better.

So Google things like:

RIA financial planners
RIA investment managers
RIA financial advisors
RIA financial consultants
LPL financial planners
LPL investment managers
LPL financial advisors
LPL financial consultants
CFA financial planners
CFA investment managers
CFA financial advisors
CFA financial consultants
CFP financial planners
CFP investment managers
CFP financial advisors
CFP financial consultants

There's dozens of thousands of advisory firms listed online that are easy to find. For example, we have a financial planner directory here (don't call them because they already know about the site). Then there's free online phone books, and financial planner directories) for every place in the world.

It doesn't matter where they are as long as it's not Alaska or Hawaii. If you want to call out of your area, and think a certain part of the country is doing better financially than others, then you're free to experiment all you want with such things. Using your own ingenuity is how people get rich. Think, plan, do, evaluate what you did, do it again, change, evolve, get rich!

Don't worry about sucking, screwing things up, being nervous, or any of that. These people know about telemarketers, because they'd sell their mother for someone to make calls like this for them. They know what you're up to, that you're nervous, don't want to be doing this, and will cut you lots of slack. Some of them had to do this years ago when they were starting out.

You only care about one thing - getting them to write down Toolsformoney.com and that they get a 25% discount by mentioning you. After they do that, you're out of the picture except for collecting your money.

Eventually they'll look at it, and then there's a 10% chance that they'll buy something in the next month or two. No matter how bad you sucked or screwed it up, as long as they write the URL down and go someday, the end result will be the same.

So it matters not how badly you do your job. This is totally a numbers game. Like the old saying goes, "There's no such thing as bad publicity in show biz. As long as people are paying attention and are talking about you, it's all good - even if what they're saying is bad."

This is very true here - I made thousands off of bad publicity in the past (and lost no sales). All it takes is one person to whine about your products or service, and other people will have this response - they'll first think, "Hmmm... Tools for money has crappy service, huh? Never heard of it. I hate my software, so I'll look at it anyway just to see what's up." When they see it, they'll either call or e-mail saying, "Yeah I found your site by this guy whining about your crappy service on a blog. I've been in the biz a hundred years, and have never seen this site... this is different and interesting, tell me about it." Then I'll do that, and more than likely they'll buy something - even if you, or I, sucked as badly as possible.

Whomever makes the most calls gets the most money. Doing your job well will only increase sales a little bit compared to totally sucking. Like I said, I sucked at this when I did it as badly as possible, and I still made over $100 an hour on average. All you need to do is do it, be professional, have a happy voice, get them to write the URL down, and you could make make more than $100 per hour on average.

When someone buys something, then they're going to very much want the 25% discount you told them about. This discount is probably the top reason they're buying. So they're definitely going to mention that you called them. This is how I know it's your lead. When they buy, then you get 50% of the sale. So if someone buys something that lists for $99, then it's $74 after your 25% discount. Then you get $37.

Don't worry about getting paid. I very much want to pay you. Sending people their software is basically free to me, so all of the money you make doing this is "free money." Since it doesn't cost anything but a few minutes of time to e-mail people files, there's no reason not to pay you. The more you make, the more calls you're going to make, so we very much want to pay you.

Here's the answer to a common question about doing this kind of work: "What guaranties if one makes phone calls for you that they will see any money?" Answer: "None. In general, there ain't no guarantees in marketing nor telemarketing, which is why it pays way better than McDonalds. Any moron can take no risk and make minimum wage saying, "Paper or plastic." If you want to make more than the minimum, then one needs to take risks of some kind. This is just life as a human on Earth in the 21st century. No risk , no reward. I promise to pay if someone buys. The only way to check to make sure I'm honest is to call everyone you called again and ask if they bought anything. If someone did buy something, I'd be as happy as a little girl with a new pony, so I'd be more than happy to pay so you'd do it again."

You may want to open up a PayPal account so money can be transferred to you instead of dealing with sending checks in the mail.

Keep track of who you called and what the result was (bad, fair, good), so you (and others) won't call the same people again.

Don't call the Denver, CO or Eugene, OR areas as they have all already been contacted.

Bonus for reading this far: You get 95% payout instead of the normal 50% for your first $1,000. This was intentionally last. So when you earn $1,000 then it goes to 50% and stays that way.

If you want to learn more to make more money by being an educated salesperson, the best place to start is here.

This page is not a secret, so feel free to show and tell everyone about it. We'll pay anyone the same that can perform (plus if they want to be involved in the biz, they could have a lot more money-making opportunities in the future).

Please let us know if you questions or if this doesn't make sense.

Thanks and good luck! Don't get discouraged because of the Republican economy! You'll still make more than twice as much doing this as any day job you can get. It's just going to take some practice.

Personal Financial Software

Fully Integrated Financial Planning Software

Menu of Retirement Planning Software

Asset Allocation Overview with Our Historical Returns

Asset Allocation Calculator

Asset Allocation Models with Our Historical Returns

Monthly Updated Mutual Fund Picks

Financial Tools

Free Personal Budget Software

Financial Planning Fact Finders

Investment Policy Statement Software

Bond Calculators