Personal Finance Consulting for Investors and Financial Planning Consulting for Financial Planners.

Current Financial Planning Consulting Rates: $100 per hour

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

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

Get Financial Plans and/or Retirement Plans Made Using Our Software, and/or You Can Let Us Manage Your Money According to Our Model Portfolios or Comprehensive Asset Allocation Software

We're an IAR under a CA RIA, so we can manage your money just like any other money manager. So if you like our Model Portfolios or Asset Allocation Software, and want your money invested like that, then we'll do that for 1% annual fee with $100,000 minimum account sizes.

So you can also get your sane, rational, boring Hybrid Model Investment Portfolios custodied with our CA RIA. Fees vary from 1% annual fee for accounts under $300k, a flat $250 a month fee for accounts from $300k to $1M, and then accounts over $1M have a 0.3% annual fee. This is not an Everest Program account; normal accounts are under the main RIA, which is Magnum Financial (there's a link to it on the new site).

Fee-only and fee-based financial advisers - yes, we can act as a TPA (Third Party Money Manager), and manage your clients' money for you, for even less fees than stated above.

For investors / consumers, the biggest items of interest are getting a financial plan created that forecasts one's financial future using the single RWR retirement software. That usually takes about an hour of billable time. You can choose whichever program you want. The IFP takes twice the billable time as RWR and is not needed if you're already retired.

You can download a free sample comprehensive financial plan to see examples of what you'd get. The page that explains the sample plan is here.

Whom work is done for, and what's done for them is 100% confidential - nobody will ever know but us. Your information will not be sold, put on any lists, nor will any of the usual corporate shenanigans ever happen. So nobody else is ever going to call, mail, e-mail or anything about anything ever.

The best compromise between doing all of the work yourself and having us do it all, is to just have us do the proposed / recommendations part. You'd do all of the work inputting and generating the current / old version, and then we'll take it over from there, just making the new Proposed version.

You'd still have to implement your own financial plans though. This is one reason why it's about one third of the price of hiring a local planner - the other two thirds that a financial planner would charge is for doing all of this trading and mundane paperwork. Doing it yourself cuts our total fee down by more than half.

About fee-only hourly consulting.

Summary of the Usual Sequence of Events

E-mail or call (503) 309-1369 asking what this is all about.

• Once you know, just select what work you want done. We'll go over this in detail so you'll only get what you want.

• You'll get a price estimate of how many hours it will take to do the work. Most of the time, it's less than one week turnaround time.

• Unless you only want printed reports sent in the regular post, or PDF files sent via e-mail, you'd pay a discounted price for all of the software tools needed to do the work. Then you'll have the actual software to play with, so you can input changes and all of the "What-ifs" you want to. So if you don't care about having the software, and all you want are the reports, then you don't have to pay for the software.

If you want reports using any of our software, and also the actual software delivered with your data input, then you'd pay 75% of the cost of the software. Then also on top of that, the hourly costs cost of doing the work.

The prices for the software are either the e-mail or full phone-supported prices (your choice). If you want to do it all via e-mail, then that's less expensive. If you like the human contact, then you'd probably want full phone support.

Due to the proverbial few bad apples, no work is done without paying something first (unless you're already a good client / customer).

Typical Consulting Job Example

If you wanted an RWR retirement plan, without doing a detailed family budget analysis (to get better estimated retirement income goals), and you wanted to do it all via e-mail, and not the phone, then you'd pay $113 ($150 x 0.75) for RWR with e-mail support, then an hour to do the work.

Plus there's usually always at least an hour of prep time (discussed below), so the total would be $238 ($113 + $100 + $25). So you'd pay $119 up front, then $119 when we're all done.

Shop around and see what that would cost by getting a local financial planner to do it in person. The average minimum fee advisors usually change is $250.

You'll have a hard time finding someone willing to do it for less than that. Even then, all you'll end up with is a paper report. Then you'd have to endure all of their usual product sales pitches too (we don't sell product, so there's none of that here). Then if they think they can still make a sale from you, they're going to keep hounding you until you either buy more or you tell them to go away.

On top of all of that, then you still won't have the actual retirement software. So you'd have to pay them again and again and again to get any changes (and or "What-ifs") you want made. It's always has to be something, so this by itself will probably make the whole deal worth it.

If you're already an RWR customer, then you'd just pay the $100 for one hour of real work, and an hour of prep time.

If you inputted both the Current and Proposed data yourself, and just want us to look it over, then you wouldn't have to pay any more if you bought a supported version, because that would be included in normal support.

We'd basically just be checking to ensure you "did everything right." If there is any real work that needs done, we'd give an estimate for it.

But you would not be charged anything again for the retirement software.

The Process

• You'll receive, via e-mail, all of the pertinent Financial Planning Fact Finders.

Then you'd fill them out and send them back via e-mail, fax, or post. Directions on how to do that via e-mail are here. This is for gathering your information so we can know you well enough, then input data into the software. You do not have to pay for the Fact Finders (but advisors would).

• You'll probably get a list of "more data needed questions" after we look the Fact Finders over (billed at the prep time rate).

• Once we have all of the data, you may get a revised price quote if it looks like it will take longer than originally estimated. This happens about a quarter of the time.

• You'd then pay half up-front using a method of your choice.

• When the work is done, the programs are e-mailed to you (just as if you bought the programs, but with your data input into them). Then we'll discuss the results as long as you want (billed at the prep time rate).

If you can read and understand the program's directions, then you'll be able to understand it all without being charged for a detailed explanation. So if you want to save money, then you'd get the program back, read the directions, and then ask about what you still don't understand.

Most of the time, everything is clear enough that there's hardly any questions (because there will also be brief explanations when the work is done as a normal part of the process).

• We tweak things until you're satisfied (billed at the normal hourly rate). If you make changes, or mistakes, then it's billable time at the normal hourly rate. Fixing mistakes on our part doesn't count toward any billable time.

• If the billable time went over, then you'll be billed the difference. If it went under, then a credit will be applied. The second half of your bill will just be adjusted up or down depending on actual billable time.

• Periodic updates are up to you, and are billed at the same rates. It only takes a fraction of the time because your data is mostly already there. Most people can get an updated retirement plan in less than 15 minutes.

Time is billed six-minute increments. The tool we use to keep track is here.

About Billing for "Prep" Time

For some people, just getting to the point where work can be done (reading e-mails, digging through statements and previous e-mails, teaching, doing research, phone tag and calls, etc.) can be several times more billable time than actually doing the work using the financial software.

This is why local planners charge on average about $250 per hour - they only actually bill for doing real work, but all of the time getting up to that point is usually many hours more. So the same thing goes on here, it's just broken out in detail without hiding anything.

So all work done preparing to do work, answering questions, phone tag, responding to phone calls and e-mails, explaining everything, directions, generic advice, and generic formatting to make things look pretty, etc. is all kept track of, then billed at $25 per hour.

Basically, whenever financial software is used to make financial plans, all of this billable time is at $100 per hour. All work done that is not using the software tools is only $25 per hour.

So for example, if it takes an hour of phone calls / e-mails to get to the point of inputting data into the money software, and then it takes an hour to actually do the work, then it takes an hour answering questions / explaining the work / etc., then the total bill would be $150.

This is all still much cheaper than hiring a local financial planner - and then you'll get the actual software to fiddle with when it's done too. Then the bottom-line quality of the work will probably be much better too.

About Billing for "Rush Jobs"

Any time we have to stop the normal flow of work, and bump a job in the in queue (to get you what you want before your deadline), then sorry, but you'll need to pay the whole estimated price up-front.

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)

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

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

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