+Free advice about personal finance gurus.

About Personal Finance Gurus and Authors

Site Information
(is listed below. The financial planning software modules for sale are on the right-side column)

Confused? It Makes More Sense if You Start at the Home Page

Financial Software Price List

How to Buy Investment Software

Discounts for Financial Advisers
(and how to subscribe to the full Bundled Deal for $100 a month)

Lifetime and 5- to 15-year Extended Subscriptions

New Financial Planner Starter Kit

Professional Investment Portfolio Building Kit

Financial Planning Software Support

Financial Planner Software Updates

Site Map

Site Information, Ordering Security, Privacy, FAQs

Questions about Personal Finance Software? Call (503) 309-1369 or Send E-mail to support@toolsformoney.com

Free Downloads and Money Tools
(are listed below)

Free How-to Money eBook for DIY Investors, Critical Reading for Financial Advisers, and for Exposing Financial Myths

Free Sample Comprehensive Financial Plans

Free Money Software Downloads, Tutorials, Primers, Freebies, Investing Tips, and Other Resources

List of Free Financial Planning Software Demos

Selected Links to Other Relevant Money Websites


Free Retirement Calculators

Free 401(k) Calculators

Free Financial Calculators

Free Family Money Calculators

Free Real Estate Calculators

Free Debt Calculators

Free Investment Calculators

Free Tax Calculators

Free College Saving Calculators

Free Insurance Calculators

Free Business Owner Calculators

In 2009, world renown personal finance guru, Terry Savage, gave us input on making a customized simple personal finance software for her book The Savage Number, so we made it.

She's written several best-selling books, is on TV, gives seminars and speeches, and writes personal finance articles for several major finance publications.

She was one of the influences that got Mike started in the biz back in the mid-80's (he used to record Nightly Business Report and watch it for breakfast daily, and Terry still has a spot at the end once every few months).

Download this Word Docx to read more about "personal finance gurus"

About personal finance software gurus.

Opinion about so called "personal finance gurus," after following them for a few decades

In order to be a "guru" about something, one must have already mastered all of the basic concepts, mundane mechanics, technical details, and last but not least, actual math of the subject matter.

I've talked with a few, and have followed many since the 80's. Here's the conclusion about all of this: They look and speak and write great, and have the basic concepts down,

But they are clueless when it comes to the technical details and/or actual math when it comes to Most things financial.

They got to be on TV, radio, and a lot of people read their books because of what I call the "Paris Hilton effect." Or currently, the "Kim Kardashian effect."

The media has little to choose from when it comes to needing to put a face out to the public in these areas, and they're too clueless to know if a guru actually knows anything about anything. All they know is that they sold some books and they travel around talking about selling their books.

So they just go with whom everyone else says is "cool" at the time.

So most personal finance gurus get to bask in the public view, and get to be famous, just because the media makes them famous.

So they're famous just for being famous, even though they're not even close to being an expert in their field, just because a small group of people that control the media agreed that this is the person that is the one to become famous.

So they're famous just for being famous, even though they're clueless about most everything, including the field they're supposed to be a guru in.

Bottom line: The vast majority of the Jonathan Ponds, Terry Savages, Suze Ormans, and most all others; look good write well and speak well in public, but basically that's the extent of their talents.

When tested in even rudimentary ways, they "don't know squat about squat" - therefore they should all be ignored and their advice should not be taken. Two of them even told me in person, "Don't ask me, I'm NOT a numbers person!"

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

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
(the hedge fund alternative)

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

© Copyright 1997 - 2017 Tools For Money, All Rights Reserved