Monetary Planning Software program and Private Finance Software program.

Personal Finance Software for Investors and Financial Planning Software for Financial Planners. Free: Monetary Planning Suggestions, Funding Recommendation, Tutorials, Primers, Monetary Planner Coaching, and Easy methods to DIY

Financial planning software for financial planners and DIY consumers.



Please go to our
What’s New
web page the place I present updates, have added a brand new
worth checklist and launch new data because it turn into obtainable.


Our Contact data is:

[email protected]

telephone: 707-996-9664


Nice information!

After months of effort, I’ve been ready
to recreate a lot of the software program beforehand obtainable on this web site.
The brand new path for
the corporate is to supply not simply the Mannequin Portfolios, Asset Administration and
Retirement Revenue Methods to Do-It-Yourselfers and Advisors alike, however to
make the
software program obtainable as soon as once more.

One problem dealing with us
was learn how to edit this web site and its large content material. That course of will take some
time. Within the meantime, I’m obtainable to reply questions and supply suggestions
by e-mail at [email protected].

Moreover, in the event you stumble throughout a hyperlink that
is not working or supplies conflicting knowledge, otherwise you see different points with the
web site please ship and e-mail to
[email protected]
. Your enter is far appreciated.

I invite you to discover this web site and its
content material. There’s a large quantity of Actual World data contained in these
pages. A lot of our clients discover solutions and acquire perception into their very own
conditions just by studying the pages right here. Michael had at all times shared his
expertise willingly and I’ll do all the things I can to permit his phrases of knowledge
to proceed on.

Please don’t order or pay for something on this
web site with out FIRST contacting me straight at
[email protected].

Please go to our
What’s New
web page the place I’ll
present updates, a brand new worth checklist and new data because it turn into obtainable.


Stephen Bossio



For Advisors:

 First study in regards to the monetary companies trade,

• then determine what kind of economic advisor you wish to be,

• then

learn how to become an adequate salesperson

• then learn how to discover individuals to speak to, and get them to come back into your workplace,

• then what to say and do after they’re open to your services,

• then learn how to Truth Discover to each “get to know your shopper” and collect the info wanted for enter into monetary plan software program,

• then
learn how to make sturdy monetary plans,

• then learn how to current their monetary planning stories to them,

• then learn how to logically and effectively handle their cash to each reduce threat whereas sustaining returns,

• after which

how to analyze investment portfolios to see if they’re actually behaving like they should

• With virtually all the things in between too (AKA follow administration).


 Customers and Traders may also use
this data to “Do It Themselves” (AKA DIY), so they will not need to undergo all the above, whereas saving all the time, work, threat, and cash monetary advisors cost.

So it is best to consider the monetary jobs you want executed
and discover the data right here, then contact an advisor for clarrification and
help the place wanted. There are additionally hyperlinks to free software program and knowledge
skattered throught-out the positioning. Hyperlinks to a lot of these are within the left hand
column of this web page.

Skilled monetary planners and funding managers working with particular person purchasers: This web site presents a big a part of the software program your monetary planning follow wants. These cash instruments had been created by people that truly reside and work in your world, not by people residing in an educational ivory tower which have by no means met and listened to an precise paying shopper in individual. We have personally made monetary plans and managed cash for 1000’s of individuals within the Actual World, so we all know what you need, want, and we really feel your entire ever-changing each day frustrations. See samples of what you’d get by
downloading the free pattern monetary plan. The purpose of promoting these monetary instruments, is so that you can run monetary plan and funding stories on your prospects and purchasers.

Customers and do-it-yourself traders: Do all of it your self, and make higher monetary plans than you’d get by hiring a classy and costly monetary planner. Additionally you possibly can create your individual customized funding portfolios, for a fraction of the price. There are detailed directions for all monetary planning software program, so anybody with fundamental Microsoft Excel expertise can use them.

As a result of the monetary software program is Excel-based, you should use its built-in Purpose Search operate to carry out all What-if eventualities that each one different monetary plan software program can do, plus rather more.

If the positioning is tough to navigate, then you definately’re most likely looking for a web page meant for one more viewers. If that’s the case, then it is best to make use of the
web site map.

You may as well press Management-F on any web page, after which enter the textual content you are concerned about (e.g., retirement), and it might go to that web page’s hyperlink. Additionally, utilizing a search engine like this helps too – enter with the quotes: “what you’re trying to find”

That is the Instruments for Cash house web page
“Management-D” provides it into your Favorites

What’s New and Coming Subsequent?

Temporary Monetary Planning Software program Descriptions

That includes Our Flagship Product:

Absolutely-Built-in Suite of Monetary Planning Software program: The Twin RWR retirement software program, finances & money movement projector, web value projector, multiple-student school planner, life insurance coverage wants software program, and complete asset allocation software program are all hard-wired collectively for full integration, similar to the main rivals.

This enables the creation of full-blown monetary plans with minimal duplication of enter, related user-friendliness, and full management of most all the things, together with draw-downs, what-ifs, and printing stories. The IFP excels in performance, energy, management, flexibility, accuracy, logic, transparency, stories, and asset draw-down evaluation calculators.

Targets-only Monetary Planners: Created to revive sanity, correct numbers, and reality in monetary objectives planning. It is the MoneyGuidePro various, as a result of it would (finally) provide you with all of their options and features, for 1/one centesimal of their worth.

Retirement Planning Software program: RWR may be very highly effective, versatile, and correct retirement planning software program. Create a retirement plan with the ability to simulate any Actual World state of affairs. It is the identical as doing a “mini-financial plan” as a result of it would take school bills, unequal money flows, and all the things that occurs within the Actual World under consideration.

This retirement financial savings software program is for projecting detailed objectives, incomes, bills, and funding values earlier than and after retirement, to estimate when your cash might run out. It really works nice utilizing the “bucket strategy” to arrange asset accounts based on how they pay out, so you possibly can deplete one funding bucket earlier than tapping one other (e.g., non-qualified earlier than certified), and carry out all the retirement methods you are used to.

That is the cost-saving answer in the event you’re pissed off with different distributors’ lack of performance, element, flexibility, energy, management, accuracy, and forecasting means. With RWR, you may have complete management of each greenback in yearly, all the variables, how all the things flows, and printing stories.

Twin RWR is the skilled model, and has essentially the most in depth draw-down evaluation operate obtainable.

Retirement Planner: RP is a fundamental and cheap retirement planning calculator that permits you to shortly and simply run retirement projections. Although RP is straightforward, it is nonetheless able to performing enough retirement projections and analyses.

Easy Retirement Planner: SRP is a scaled-down model of RP.

401(okay) Calculator: A complete retirement calculator for forecasting 401k, 403b, and related captive retirement plan accounts in nice element.

It will make it easier to perceive many “monetary myths” which have been propagating erroneously for many years.

Learn to select a monetary planner and/or cash supervisor, after which in the event you ought to fireplace them to keep away from their excessive prices and shenanigans. Then you definately’ll study the fundamentals of learn how to handle your individual cash.

For those who’re new to the monetary companies, or are eager about getting in, this funding e-book may actually save your life. Be taught what these companies are actually all about, from an insider’s perspective, so you may make knowledgeable choices about your profession and monetary future. Learn the way the trade is organized, motivated, and learn how to navigate it to assist make it work in your favor.

Complete Asset Allocation Software program: Funding software program for do-it-yourself traders and monetary advisors working with high-net value purchasers. Use this turnkey asset allocation software program to calculate, examine, and implement, the combination of asset courses / investments you’re feeling is greatest for your self or your purchasers. It treats all of 1’s investments in a single pie, like they need to be within the Actual World; so you possibly can management, consider, focus on, and implement the entire state of affairs with out leaving something out.

Get complete management over asset allocation (and each greenback, and printing) as a substitute of being locked into what a software program firm thinks you must do. Enter contributions / withdrawals, and return assumptions for every funding (or asset class), after which see 75-years of estimated development for all the Present vs. Proposed allocation mixes.

Calculate the same old portfolio statistics, like correlation coefficients between two investments, Beta, Alpha (Jensen), R-squared, Treynor Ratio, and Sharpe Ratios.

Funding Mannequin Portfolios:
Turnkey cash administration system for small traders that can assist take you from nothing to creating trades with mutual fund ticker symbols, simply by following the instructions. Construct and preserve your individual long-term, low transaction, straightforward to grasp, lowered threat, well-diversified and allotted funding portfolio that matches your
funding risk-tolerance. There’s a monitor document since 1/1/99 accounting for charges, rebalancings, and fund modifications.

Monetary advisors: It is a fundamental advertising should in the event you follow asset allocation, use portfolio fashions, or wish to begin. All the things is up to date month-to-month.

Mutual Fund and ETF Picks (Open-end mutual fund screening): These are the precise really useful mutual funds chosen for 22 asset courses used with the above-mentioned asset allocator instruments. All the things is up to date month-to-month for skilled cash managers and do-it-yourself traders.

Learn enlightening textual content and get free useful recommendation and recommendations on mutual funds, selecting mutual funds, and mutual fund screening.

Free Cash eBook:
An “uncensored” how-to cash e-book to enlighten you in regards to the mysteries of the monetary companies, monetary planning, property planning, insurance coverage, banking, and funding industries.

Funding Portfolio Benchmarking Software program: Now anybody with knowledge can carry out their very own detailed funding portfolio benchmarking evaluation.

Monetary Planning Truth Finders: These are usually not for shoppers. Simply edit, print, and provides to purchasers or prospects, and it comes again crammed out so you possibly can know them effectively, after which manually enter their knowledge into monetary plan software program. In case your purchasers are laptop literate, then they will observe easy instructions and you may get them forwards and backwards by way of e-mail.

You’ll be able to edit them any method you wish to suit your follow. They’re refined regularly to qualify, and get all the vital data wanted for fundamental to superior monetary planning and funding administration, and in addition for enter into the best degree of any complete monetary planning software program.

They’re additionally nice for staying out of hassle and protecting BD compliance individuals pleased, since you’ll have what they informed you they wished – their life’s objectives, suitability and threat tolerance all lined, printed, and on document of their information.

Funding Coverage Assertion Template (IPS): Not for shoppers, however a must have for any funding portfolio supervisor working with particular person purchasers.

Neglect fancy-shmancy, hard-to-use, stuffed with bugs and meaningless particulars, and method too costly IPS instruments. All you must do is edit this Phrase doc template, save, and print. It covers most all the things different subtle applications produce for particular person purchasers, for a fraction of the price.

Primary Monetary Planning Advertising and marketing Instruments: Not for shoppers, however these are one thing each skilled within the Payment-Primarily based funding administration enterprise ought to have. You will want a advertising / agency truth / bio bundle to both ship to new prospects within the mail, or give them to take house after the primary appointment. This web page lists what you may want, has some freebies, and presents some cheap instruments to assist get your preliminary advertising binder up to the mark.

Monetary Seminar: Not for shoppers. It is a ~200-slide unprotected PowerPoint seminar protecting monetary planning, the cash recreation, threat administration, retirement planning, funding administration, asset allocation, portfolio optimization, and extra. It incorporates a script that means what to say for some slides. You may make any modifications you wish to it. Use it as a place to begin to assist construct your individual customized advertising seminars, so you possibly can say what you need and never be caught with canned costly shows you possibly can’t customise.

Monetary planning gross sales telephone scripts and follow administration contact letters to assist hold your gross sales funnel full.

Life Insurance coverage Calculator: This life insurance coverage calculator will let you know how a lot life insurance coverage you and your loved ones actually need, by letting you enter intimately solely what you wish to insure for. It calculates each present wants, and the way a lot life insurance coverage is required yearly, as much as 75 years into the long run.

It additionally permits you to enter precise figures into guide override columns, to account for estimated future modifications in incomes, bills, Social Safety, declining money owed like mortgages, and so on.

Enter all lump sum wants (it tells you what these are), after which enter knowledge to exchange the breadwinner’s misplaced revenue. It then calculates all the things considering Social Safety advantages and all different sources of survivor’s revenue. You’ll be able to management each greenback in yearly to calculate your precise wants, so you possibly can reduce the expense of sustaining pricey life insurance coverage.

Web Value Calculator (Steadiness sheet software program): It shows an in depth present snapshot of total web value by itemizing everybody’s property and liabilities, with tables, graphs, and pie charts.

Enter as much as 5 accounts for every of the next: Consumer, partner, collectively held / neighborhood property, and kids’s property (for a complete of 20 separate monetary accounts). Every account can then maintain as much as 25 property (with one legal responsibility).

Calculate present snapshots of property and liabilities held by everybody; web value, stability sheet, asset allocations, and after-capital beneficial properties tax funding values, utilizing as much as 500 property and 20 liabilities.

75-12 months Web Value Projector:
You’ll be able to management each greenback in yearly, and combine the outcomes with different monetary and retirement planners. It takes the info entered into the web value calculator (above), after which routinely forecasts all the things into the long run.

Private Finances Software program and 75-12 months Money Stream Projector: This cash calculator is used for monitoring household bills in regular instances, and will also be used to estimate bills and revenue wants throughout incapacity and retirement. It has many makes use of, reminiscent of categorizing bills and calculating how a lot you are actually spending, evaluating that to incomes (to point out surpluses / deficits); it additionally calculates fuel mileage and common / efficient tax brackets.

The money movement projector then takes every expense in three classes – mounted, variable, and debt service; after which provides the inflation fee you’d enter (globally or on every expense). Then it shows the following yr’s numbers. Then all the things is summed up in a logical vogue, so you should use and make sense out of it.

You have got complete management over each revenue and expense merchandise in yearly, so you possibly can challenge your family finances 75-years into the long run all the way down to the greenback (after which use these future numbers as inputs into your retirement plan).

Rental Actual Property Software program:
This calculates how a rental property (or a portfolio of as much as 5 properties) has actually executed over its life; or estimate what it most likely will do. With only a few minutes of enter, this program will estimate IRR and NPV, for all properties – individually, mixed, unweighted and weighted. It considers all money flows, revenue taxes, depreciation, foundation, purchases, gross sales, enhancements, commissions, will deal with one refinancing, it has an underwater rental calculator, and extra.

Estimate a property’s inside fee of return and web current worth each pre- and post-capital beneficial properties tax, to see if it is presently over- or under-priced. Management most each greenback in yearly for unprecedented management and accuracy.

Funding Comparator:
Funding software program that precisely compares the long-term particulars of the 27 most-common strategies of investing side-by-side apples-to-apples with one another for easy bottom-line analysis. For instance, it performs purchase time period and make investments the distinction comparisons (BTID).

Monetary Instruments (AKA TVM Calculators): Monetary instruments for the little jobs that come up when constructing monetary plans. The primary seven sheets are a big array of economic calculators that carry out a lot of the common TVM (time worth of cash) features: Current worth, future worth, rate of interest, funds, IRR & NPV, mortgage amortizers, CD penalty, CPI inflation calculator, renting vs. personal a house, underwater home calculator, price of elevating a baby, life expectancy, wage breakdowns, closing bills, proportion change, long-term prices of a family-ruining monster, and so on. Then it has:

• The monetary planning follow valuation calculator covers a lot of the bases while you wish to estimate how a lot you might be able to promote your monetary advisory follow for right now.

• 25-year time-weighted fee of return calculator that tells the speed of return annually, and averages for a number of years, contemplating all the unequal month-to-month money flows that occur with funding portfolios within the Actual World: Dividends / capital beneficial properties / spent withdrawals and taxes on them, in addition to contributions.

• Funding administration payment calculator for funding advisors: If you need to calculate charges manually periodically to inform your custodian how a lot to deduct from purchasers’ money accounts to pay you, after which this can pay for itself the primary time.

• Portfolio Yield Calculator: This calculates the mixed common revenue / dividend yield in your complete mixed funding portfolios; then estimates how a lot revenue, or paycheck, all the things will produce over a number of time frames.

• Age 70½ IRS Required IRA Minimal Distribution Calculator (MDIB / MRD calculators). It additionally has the identical kind of cash calculator for inherited IRAs.

• All three variations of IRS 72(t) tax-qualified untimely distribution calculators. Calculate learn how to retire as early as age 50 and keep away from pre-age 59½ penalties.

• Six Social Safety calculators examine and assist determine when to start out gathering advantages. See the reality as a substitute of what is at all times touted within the media.

• Inflation Adjusted Revenue Stream Generator: This distinctive monetary calculator estimates how a lot cash you possibly can withdraw yearly, with out working out, contemplating inflation.

• The Golden Handshake calculator will calculate the current worth of an worker buyout provide out of your employer, so you possibly can see if it is value it or not.

Bond Calculators: Most all the things traders wish to find out about managing particular person bonds can simply be calculated.

School Financial savings Calculator:
Calculate how a lot cash is required to place one, or as much as 5 college students at a time, by means of school. It will calculate how a lot cash is required to save lots of, each lump sum, and/or month-to-month, to achieve the objective of placing somebody by means of school – each now, and sooner or later, whereas accounting for all the particulars.

You have got complete management over each greenback in yearly. It additionally does a side-by-side comparability of 4 totally different scenarios-  public vs. personal school, after which DIY vs. 529

FYI, this web site cannot be made to look trendy and funky, as a result of the inexperienced aspect hyperlinks are wanted, and there is method too many hyperlinks for that to work.

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