List of All Free Financial Plan Software Demonstration Programs
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Most all money calculators have an associated downloadable demonstration program (demo).
They're all free, but they're also non-functional, so you'll have to purchase to get them to work.
Most are the actual spreadsheets saved without the formulas, so you can see exactly what you'll be getting.
Between the demos, product information pages, sample plans, and the directions pages, there's more information available to make a purchase decision than Most vendors.
The copyrights, notes, arrows, and text boxes shown are usually not on the actual programs. As an advisor, you can delete the copyrights off of everything so your clients won't know about this site.
The following demos are part of the fully-integrated financial planning software (the free sample financial plan PDF made from it is here):
The Following are the Module Demos
Model Investment Portfolios demo showing historical returns and yields for all investor models. Just two Investment Models are shown because it's too easy to copy
The Market Timing Calculator, which is part of the Model Portfolios, does have a demo
Dual RWR Life Insurance Needs demo
Dual RWR Retirement Savings Calculator demo showing very basic "gap funding"
Dual RWR Retirement Savings Calculator demo showing the asset allocation bucket approach
Dual RWR Retirement Saving Calculator demo showing the different payout options, usage of all of the manual overrides, gap funding, and the bucket approach of tapping qualified assets before non-qualified assets
Dual RWR demo showing the difference between risky living without disability (and long-term care) insurance. The Current version shows being disabled at age 60 and the Proposed version shows being insured. So the Current version shows losing it all, and Proposed shows being just fine, considering, and paying DI premiums
Dual Real World Retirement demo showing the difference between risky living without long-term care insurance. The Current version shows being disabled at age 50 and needing long-term care. The Proposed version shows being insured. So the Current version shows losing it all, and Proposed shows being just fine, considering, and paying LTC premiums
Dual RWR Roth IRA Conversion Analysis demo showing the long-term difference in retirement nest egg values between letting a Traditional IRA sit as-is (and having 100% of the income be taxed at ordinary income tax rates)and converting it to a Roth IRA (which is just subtracting the initial lump sum taxes, and then the withdrawals are tax-free). As you can see, unless there's a huge difference in the two tax rates, it does not pay to convert a traditional IRA to a Roth IRA. The only time that makes sense is if there's a huge difference in tax rates. For example, if your AGI was over $450,000 in 2013, then it would have paid to convert in 2013, because your taxes went up significantly in 2014
If you want to see a retirement plan showing the simple concept of running out of money, with cash flow deficits, then these are the two demos that show that (AKA Gap Funding): Current RP demo and the Main IFP module. All of the other retirement software demos have complex asset structures that show other things.
The following financial plan modules don't have regular demos, because it would be too easy to copy for free:
Mutual Fund Picks: There's only an empty list showing what you'll get
|Financial Planning Software Modules For Sale
(are listed below)
Financial Planning Software that's Fully-Integrated
Goals-Only "Financial Planning Software"
Retirement Planning Software Menu: Something for Everyone
Our Unique Financial Services
Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
Miscellaneous Pages of Interest
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