Free List of Financial Planning Practices for Sale.

2 March: Over a dozen new pages were added to the end of the Money eBook. The last section is worth hundreds of bucks to commission-based salespeople.

18 Feb: Mutual fund picks and models were updated with January data. See the returns here, here, here, and here.

14 Feb: The Model and Bundled Deal prices were lowered as a pricing experiment.

10 Feb: A spreadsheet was made for automatically calculating investment risk tolerance (so you don't have to do it manually on paper anymore, although clients still like to do this part themselves).

23 Jan: The hourly consulting rate was put back to the normal rate of $100 an hour because there's too much to do these days and the recession is over.

__________________________________

Here's a new way for you to save money on personal finance software:

This text is only here when there is something going on that's making people freeze up like deer in headlights. When things are normal, this text is deleted.

We're running a psychological experiment. There needs to be a way to predict, and thus "smooth out," the industry feast and famine that's been going on since Dec '07.

Each individual has a multitude of reasons for doing things. What we're trying to pin down is what affects "the masses." Planners are sort of birds that flock together, and they all sort of do the same things at the same time. RIAs and non-RIAs are like two flocks of birds that behave similarly but with differences. So we're trying to find out if there is some kind of pattern in the BD or RIA pay cycle or something that can be used to predict future activity, and thus smooth things out.

There are many theories, but none can be confirmed without your help.

During normal times, people ask for quotes, and within a day or so, they usually just pay about 80% of the time (an average over the last 11 years).

It's obvious when these weird scary slow times are happening, because this 80% closing rate immediately drops to around 40%. It's not subtle, it's very obvious, so there's something big in the news that's causing people to change their behavior en mass. If there was a way to predict this, it would be a major victory.

For example, all 2009, financial professionals were stuck like deer in headlights when it came to make any decision that involves spending any money whatsoever. Then as soon as they got their Christmas shopping done, there were so many orders that it was all we could to keep up with just the phone calls and sending out product.

Then in early Feb, the day Senator Brown was elected to fill the late Senator Kennedy's seat in MA, the whole world stopped again. Why? Is this why? Why (we know why, but need to hear it from other intelligent people)?

So the big question is, what is going on right at this very moment in your mind that is stopping you from buying the financial plan software you need and/or placing the order within a day of getting your discounted quote? What it is that's in the news, economy, your biz, pay cycle, personal life (are you broke/credit cards maxed out?), or whatever that's making you freeze up like a deer in headlights?

If you want to send an e-mail telling what it is that's in the current news that's making you freeze up, then you may get free financial software. The person that hits the nail right on the head and leads us to developing an early warning system may get up to $500 of freebies of their choice.

Personal Finance Software Modules

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