Retirement plan software for making retirement plans.

Retirement Planner:
About the Proposed RP Demo

Main RP Retirement Planner Page Download the Current Retirement Planner Demo Download the Proposed RP Demo (sample retirement plan with financial planning recommendations implemented) Menu of Retirement Planning Software
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

This RP Proposed demo does not have all of the information text boxes shown in the Current version, so it looks like what you'll be seeing when you buy it.

With their Current plan (their forecasted future if they didn't hire a retirement planning advisor to run an RP report), John and Mary Sample would have run out of money in their 80s.

But with just RP, and the asset allocation software to better manage their money, they were able to survive just fine, with money left over at age 100, more income, security, and peace of mind.

About our retirement plans for investors.

Proposed Changes from the Current Retirement Plan Version are:

• John was able to receive 10% more retirement income when he retired. His income goal went from $50,000 to $55,000 a year.

• Mary was able to get 10% more retirement income when she retired. Her income goal went from $40,000 to $44,000 a year. She also was able to retire a year earlier than planned.

• The only minor reductions in planned expenses were made in travel plans.

• A quarter percent higher inflation rate was used to match higher expected inflation. If it doesn't materialize, then they'll just have a little more money to spend. If it does happen, then they'll have been prepared. If inflation turns out to be even higher, then they'll be that much better off than if they weren't able to plan for it.

• They got with the well-diversified asset allocation program with their mutual funds and IRA's, and were able to cut their risk by half, and increase their estimated rate of return 10% (from 8% and 10%).

• By analyzing their bond portfolio, it turns out that replacing all that with a good bond mutual fund, they were able to increase their return by 33% (from 5% to 6%), and save a few hours per week spent managing it. They also realized that just planning to spend the interest was not practical. So they'll be on a mutual fund systematic withdrawal program instead.

• They sold off their portfolio of stocks and replaced them with a portfolio of well-allocated mutual funds. That raised their estimated rate of return from 8% to 10%.

• They raised their IRA and investment contributions.

• They were able to work out a deal with the lawyers to get the trust and inheritance money out of the bank CDs and invest them into a portfolio of well asset allocated mutual funds. This raised the rate of return from 2% to 10%.

With professional help, they were able to reallocate their current employer 401(k) plan using the investment options they're stuck with while employed. They also increased their monthly contributions by $250.

When they retire, they can roll them over into rollover IRAs, where they aren't limited to a small list of investment choices, and can use asset allocation with mutual funds. This raised their estimate rate of return from 9% to 10%; and also were convinced to raise their monthly contributions.

That's it. All it took was restructuring asset payouts, contributing a little more to their retirement plans, getting rid of trying to market time and pick individual stocks and bonds by replacing all that with asset allocation using mutual funds, and they're all set. They could both also actually retire a year or so earlier if they would cut their spending a little too.

Analysis of when to start collecting Social Security benefits

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

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