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|Real World Personal Finance Software Portland, OR (503) 309-1369 Send E-mail|
(is listed below. The financial planning software modules for sale are on the right-side column)
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Questions about Personal Finance Software? Call (503) 309-1369 or Send E-mail to firstname.lastname@example.org
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Our mission is to offer the most functional, flexible, powerful, accurate, and affordable financial planning software, that anyone can use just by reading directions; in hopes to someday be the industry-leader in helping people better control their financial future.
Our mission is also to offer affordable turnkey-systems for investors to get good results managing their own money, and for professional advisers to do a better job managing investments for their clients.
Our mission is also to be the most "White Hat" source of information for consumers to learn the truth about issues critical to their financial lives, in a overcrowded, noisy, parasitic, and predatory "Black Hat" world.
We also strive to make it so support is not needed. But when it is, to have the best customer service.
Another goal is to try to implement everything people want their financial software to do.
• Do-it-yourself consumers that want to develop their own financial plans and DIY investors that want better alternatives to life insurance company products, stock market TV (AKA financial porn), and American Funds when it comes to investing their own money.
• Financial planners and investment managers that have already graduated to the fee-only or Fee-Based way of doing business (whether being independent or not).
• Financial planners and investment managers that want to give up being tied to a Broker Dealer and Finra, and graduate to the RIA fee-only or Fee-Based way of doing business (whether being independent or not).
• Independent financial planners and investment managers doing business in a variety of ways and servicing many different markets.
• Financial planners and investment managers with a Broker Dealer that lets their Reps do business in ways that are best for clients.
• Life insurance agents and brokers that are out to do the best things for their clients.
FYI: Picking on Broker Dealers is needed to get traffic. Taking all of that anti-BD and life insurance company text off the site was tried, and search engine traffic went down by a third, so it was put back up, and things went back to the way they were. They also force their Reps to use fake financial plan software, so little-to-no business is lost squealing on their business models. Also, we started out being BD-friendly, and they ignored us. Nobody "showed us the money" to get with their program, so that's the reason why things are the way they are.
About Customers / Clients
On average, about two people a day buy something, so there's ~10,000 customers and ~200 Model / Mutual Fund subscribers. About 65% are professional advisors and 35% are individual consumers / investors. A typical advisor has ~100 clients with average account size of ~$300k. Do the math, and you'll see there's over a billion dollars invested in our money management strategies.
The Main Themes of the Site and the Software Are:
We sell financial software to consumers, investors, and to financial advisors to use to run reports for their clients.
We're also an information provider and sort of a for-profit consumer advocate, because we strive to get the facts and truth out about how the industry really works, and how to avoid common traps, abuses, conflicts of interest, and the self-enrichment schemes of the major players.
We come down hard on the state of the investment and financial planning industry, the competition, and the status quo. This isn't because we're trying to make more Money (that makes us less money), but because we're trying to get the information out there in order to be a positive influence to help change things for the better.
MS Works, Macs, Tablets, Phones, and Handheld PCs: If you have a Mac, and you can open a demo Word document or Excel spreadsheet, then all of the financial plan software on this site will work on your Mac (except for the IFP, which some users have trouble with linking).
There are problems sometimes loading workbooks onto tablets and phones because of some Microsoft bug when uploading spreadsheets that have protected sheets. If you can download a free financial calculator demo and it works, then you can use them on that device when you buy them.
If you tried to download a demo, and it complains about anything (like passwords), then you probably don't have MS Excel installed on your computer. If all you have is MS Works, then it won't work.
More About using these Excel-based financial tools is here.
Security When Ordering Online: Secure means whatever information you type into the secure web page cannot be transferred to anyone else. This is because it's encrypted.
In general, you'll know when a web page is secure when the URL shows https:// and not just http:// The "s " stands for secure page. Also, when the page is secure, a little padlock icon will display usually at the bottom of your browser. This is sort of "the law" and there's no way to fake it or get around it.
This site is as secure as it gets for doing credit cards and PayPal orders online. The bank wouldn't process orders until security met their standards. The bank doesn't even give out your credit card number or information to us.
In general, as long as the form you fill out is secure, you can trust using your credit card and PayPal to buy things from websites. If people complain to MasterCard and Visa about improper use of their card, they'll just yank the merchant out of the system. They're very serious about it, so if an online-merchant takes credit cards online, then it's the same as buying something with your card over the phone, or in a store. It's even more secure because you're telling someone your information over the phone, and/or swiping a card into a machine at a store.
Single-Computer vs. Multiple-Computer Versions: This was abandoned after much experimentation. All spreadsheets are Multiple-Computer now.
Multiple-computer versions are still only for you and people in your office / firm. You're still doing a copyright violation if you give / sell programs for use to anyone outside of your office / firm / family. Each planner in a branch office or BD will have to buy their own copies, or we can give a new price if you want to distribute between others that are not directly involved in your own practice.
About the copyrights: The copyrights on the software and Word docx are to prevent others from reselling them. As an advisor working with clients, you have our permission to delete all of that when printing so they will not see the name of the site. Yes you are allowed to use the software, and do whatever you want with the printed presentations, as that's the whole point of selling them. You can even tell your clients that you invented it, we don't care. We only care if you try to sell anything to others, or tell the public at large you made things.
The information submitted enables us to respond to user's inquiries and obtain a measure of user's needs, interests, and ideas for future development. Tools For Money respects the privacy of users and visitors and does not share any personally identifiable information with any third parties, does not send unsolicited e-mails nor any direct marketing materials.
This site and its investing calculators are 100% clean - meaning they won't put web shortcut icons all over your desktop/browser, alter your computer / favorites / browser, bog down your browser with banner ads / pop-ups, leave cookies / applets on your computer, run any Java / Flash / asp / Active-X / cgi scripts, drive you to Internet marking sites, or put you on spam lists.
It's all just simple html files, and does not collect About you in any way. We don't even put your phone number or address in our database (just your e-mail address, name, what you bought and when). The bank also doesn't even give us access to your credit card number if you order by yourself using the secure forms.
The only time e-mail is sent is if it has something to do with your order (you'll get an e-mail receipt from the bank and then some fulfilling your order). Once every five years or so, when there's a new product, we may send an e-mail letting existing customers know about being able to try the beta version for a greatly discounted price. Once a year, you may get an e-mail about a sale. This is the only time we'll send e-mails out to customers that are not expecting programs to be delivered.
There's no spam, lists, your data is not sold to others, etc. Everything you do here is totally confidential. Nobody else has access to the database, so nobody is going to call, spam, or send you postal junk mail either. People offer us money to do these things occasionally, and we always say no.
Refund policy: There are no refunds on anything for any reason, sorry.
Because this is all clearly stated, credit card companies will not honor your request for a refund once delivery of the software has been made either via e-mail or once it's in the postal mail. So it's best to study the product pages, demos, and instruction pages, get a free trial, and then ask questions, before buying.
This is the usual deal with any software vendor. Buy anything from Microsoft, install it, then say you want a refund and see what they say. This is because it's not a tangible product you can just "return." People can say they deleted it off of their computers, and just be lying.
This is also because we don't think you should not be working in the clouds with anything financial, as you can read here. So we're not able to give a refund, and then just disable your login, to deny you access to the software.
Then you certainly cannot get a refund because you don't know how to work your printer, and/or you think Excel works like code-based software, where you just click on something and everything you want just magically prints perfectly, without printing anything you don't want. The step-by-step directions on how to print in Excel are here.
This is also because our prices are too low.
Next, the programs are mostly modular. This means people would be able to use just the one module they're interested in, then in minutes get the answers they wanted. Then with hardly any time or work, they'd be all set, and wouldn't need to buy.
This is in contrast to comprehensive and integrated financial plan software. The difference is that complex software takes ten times more time to learn how to use it, then you'd have to input ALL of the data to do a comprehensive and integrated financial plan. This could take days just to get a ballpark answer on retirement planning. So this huge investment in time is a barrier for people to hurdle across just to get a simple free answer.
Between the product pages, the directions, and the demos, everything you need to make a decision beforehand is on the site. Then you can always call and ask as many questions as you want, and you'll never ever be told the program can perform a function that it cannot.
Another copy will be e-mailed if something went wrong with the software you bought during delivery.
We've been at this so long that we've seen every kind of crazy bad apple, so there's no refunds for any reason, no exceptions, period full stop, sorry.
FYI, this site can't be made to look modern and cool, because the green side links are needed, and there's way too many links for that to work.
Warranty, End-user License Agreement, and Limitation of Liability: Toolsformoney.com's sole obligation under any of the warranties set forth shall be to repair or replace any defective operations of the program. In no event will Toolsformoney.com be liable to such customer for any representations or warranties made by other than those stated within. Other than as expressly stated herein, Toolsformoney.com makes no other warranties, including, but not limited to, any implied warranties of merchantability or fitness for a particular use. The foregoing shall be the extent of Toolsformoney.com's liability under this Agreement, regardless of the form in which any legal or equitable action may be brought against Toolsformoney.com and the foregoing shall constitute Licensee’s sole remedies. The foregoing constitutes the entire liability of Toolsformoney.com and sole remedy of licensee with respect to any claim or action based in whole or in part upon patent or copyright infringement.
If there's text on the product page that says a program will perform a certain function, then we guarantee that it will perform that function. Between the directions and the demo, you can verify most all functions listed on the product page yourself before you buy. If you want more details on how to perform a certain function, ask and you'll get a more detailed answer.
Disclaimer: This financial plan software is designed to allow financial planners, investment managers, other financial services professionals, and investors, to demonstrate and evaluate various financial strategies in order to help achieve their clients', or their own financial goals. There are no guarantees that any of the software will perform this function.
The investment choices and services on this site are provided as general information only, and are not intended to provide investment, tax, legal, financial planning, or other advice.
This site is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security, or insurance contract, which may be referred herein.
Mutual fund recommendations made are suggestions only, and customers should evaluate the suitability of each fund for their own holdings on their own or seek professional advice.
Consult with your financial, legal, or tax advisor with regard to your individual situation. Toolsformoney.com is not engaged in rendering legal, accounting, tax, or other professional advice.
In no event shall Toolsformoney.com be liable to customers for any damages whatsoever, including lost profits or savings, missed gains, or other incidental or consequential damages arising out of the use, or inability to use, any of the software or information obtained from this website.
Financial estimates are generated by using many assumptions made by the program, clients, and the user. No person or software program can predict the future with any degree of certainty.
No warranty as to correctness is given and no liability is accepted for any error, or omission, or any loss which may arise from relying upon data generated from reports produced by the programs.
In no event shall Toolsformoney.com be liable to you or any other party, for any special, consequential or incidental damages suffered by you or such other party as a result of any problems that may arise because of the installation or improper use of this software or presentation of reports produced by this software. All reports generated by this investor software are only rough estimates of many possible future scenarios.
Before investing in an ETF or mutual fund, carefully consider the investing objectives, risks, charges and expenses. For a prospectus containing this and other important information, contact the mutual fund / ETF and read the prospectus carefully before investing.
Disclaimer: This financial plan software is designed to allow financial planners, investment managers, other financial services professionals, and investors, to demonstrate and evaluate various financial strategies in order to help achieve their clients', or their own financial goals. Investment strategies, results and any other information presented on the website are for education and research purpose only. There are no guarantees that any of the software will perform this function. The investment choices and services on this site are provided as general information only, and are not intended to provide investment, tax, legal, financial planning, or other advice. This site is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security, which may be referred herein. Mutual fund recommendations made are suggestions only, and customers should evaluate the suitability of each fund for their own holdings on their own or seek professional advice. They are generic in nature and do not take into account your detailed and complete personal financial facts and needs. You alone are responsible for evaluating the information provided and to decide which securities and strategies are suitable for your own financial risk profile and expectations. Consult with your financial, legal, or tax advisor with regard to your individual situation. Toolsformoney.com is not engaged in rendering legal, accounting, tax, or other professional advice. In no event shall Toolsformoney.com be liable to customers for any damages whatsoever, including lost profits or savings, missed gains, or other incidental or consequential damages arising out of the use, or inability to use, any of the software or information obtained from this website. Financial estimates are generated by using many assumptions made by the program, clients, advisors, and the user. No person or software program can predict the future with any degree of certainty. No warranty as to correctness is given and no liability is accepted for any error, or omission, or any loss which may arise from relying upon data generated from reports produced by these programs. Toolsformoney.com makes no warranty of any kind regarding our site and/or any contents, strategies, portfolios, materials, information, products and services provided on our site, all of which are provided on an ‘as is’ basis. We disclaim any representation and warranty that our site and its contents, strategies, portfolios, materials, information, products and services are error-free, secure or uninterrupted. We further disclaim any warranty to the accuracy, completeness and timeliness of any content, information and services provided by our site. In no event shall Toolsformoney.com be liable to you or any other party, for any special, consequential or incidental damages suffered by you or such other party as a result of any problems that may arise because of the installation or improper use of this software or presentation of reports produced by this software. All reports generated by this financial planning software are only rough estimates of many possible future scenarios (none of which will occur in the Real World). Furthermore, in no event shall Toolsformoney.com be liable for any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. Before investing in an ETF or mutual fund, carefully consider the investing objectives, risks, charges and expenses. For a prospectus containing this and other important information, contact the mutual fund / ETF and read the prospectus carefully before investing. The website is not operated by a broker, a dealer, a Broker Dealer. Information provided by the website could be time-sensitive and out of date. There is no guarantee for accuracy and completeness for the contents on the website. Contents are subject to change without notice. There is no guarantee for future results in your investment and any other actions based on the information provided on the website including but not limited strategies, portfolios, articles, performance data and results of any tools.
Password Protected Sheets: Most of these Excel spreadsheets have input sheets (the middle group of sheets), calculation sheets (far right group of sheets), and presentations sheets (far left group of sheets, which financial planners print and give to clients).
On most financial plan calculators, only the presentation sheets are unprotected. Input sheets and calculation sheets are protected to both prevent reverse engineering, and to prevent users from inadvertently overwriting formulas in cells and destroying the program. These will not be unprotected and the passwords will not be given out to anyone for any reason. If you tell us why you want a sheet protected, we'll try to accommodate you if it's a valid request about something a user would want to do.
If you want the copyrights removed so they won't show up when printing, then the first thing to do is just delete them from the footer. If you really need to remove it from non-presentation pages, then we'll accommodate that, but only up to a point (it varies per program).
You can delete the copyrights on everything when you use programs for clients. That's only really on there to help stop people from trying to sell or resell them on the Internet. The whole purpose of selling programs is so you can use them for making reports for clients.
Licensing / Renewal Updates: Most of these tools are updated constantly as they are used every day in the Real World.
Spreadsheet "licenses" are for one-year. After that, it expires, then updates are available for 50% of the current price. Click the link to the update page in the text above to read the details.
I'm still waiting for someone to tell me why users should be annoyed with End User License Agreements (AKA EULA).
Until then, here it is: These spreadsheets and Word docx files are meant for investors, consumers, and professional advisers to model, illustrate, and create financial reports for themselves and their clients. You are free to use them however you see fit for these purposes. The only "things that are not allowed" are using the "programs" to make products for sale that compete with ours, and/or making software available for others to use without buying them from us. Other than that, you're free to do most anything you want with them (except put them online on your website, or other sites, without paying us). Advisers are also free to delete the copyrights off of everything you print and/or show to your clients.
There are no demos for these because the valuable content is too easy to copy and steal for free.
The demos are non-functional because people would use the programs for an hour to get the answers to their questions, then wouldn't need to buy anything.
Support: To allow people the most flexibility and choice, there are three prices for most financial planning software.
For people that feel they can figure everything out themselves with the directions, the unsupported price will save money.
For people that want to be able to call someone for help, there's the full phone and e-mail support.
There's also a price for a middle of the road option, which is paying a little more for being able to send questions via e-mail.
Please note that support basically means help trying to figure things out that are not already in the directions, or is confusing, or doesn't make sense.
Everyone at any level of support is encouraged to report things they feel are not working right with any financial planning software program. If you think something is "broken" then you can get free support even if you didn't buy it.
You can tack on more support for the listed price difference. What you can't do is cancel a higher level of support (and get that part refunded).
Click the link to the support page in the text above to read the details.
Delivery Times: It takes four to seven working days to get a CD shipped by regular postal mail. To avoid that, just request the download option. Orders are checked and financial plan software e-mailed out usually the same day, but it could take a couple of days to get products via e-mail.
About the (Key)Word Mixing: If you see something like this on the IPS page, "Investment Policy Statements" and then below it "Statement of Investment Policy," it's to have text that search engines can read, so the site will come up when people type in keywords. It's all the same program if it's on the same product page. Sorry but this is just life in the new world, and it can't be helped.
Rewards for finding mistakes on this site : If you find any mistakes (dead links, misspelled words, typos, things that are not right, don't make sense, etc.) then you can get credits for purchases or we'll send products of your choice for free, depending on the find.
Consulting Services: Financial planners and investing consumers can get financial plans made with this software, or custom work, done.
The Financial Plan Software Industry: How We Got Here: Website, Software, and Developer History
Thanks for visiting Real World Personal Finance Software!
|Financial Planning Software Modules For Sale
(are listed below)
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Miscellaneous Pages of Interest
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