Our mission was 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 was also and will continue to be 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.

Target Markets

• Do-it-yourself consumers that want to manage their own financial lives 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 and prefer to either use a turnkey invesment program or to "sub-contract" investment management so they can focus on clinet aquisition and retention.

• 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 who generally have smaller books of business and would prefer to outsource the investment management and focus on the other areas of their practice. (CPA's. Lawyers etc).

• 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.

The Main Themes of the Site and the Software Are:

We sell financial services to consumers, investors, and to financial advisors. We want to take the grunt work out of investing as we can do it much more efficiently leaving investors time to do other things and feel confident thjeir investments are in line with their long term goals.

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.

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.

Privacy Policy Statement: Tools For Money is very committed to protecting the security and privacy of your private information. We only receive names and e-mail addresses when they are personally sent to our e-mail address (we don't buy nor use marketing lists).

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.

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 product has been made via e-mail. That said, you are free to cancel your subscription services at anytime.

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.

Demos / Downloads: There is usually a non-functional demo for all Excel spreadsheets. Programs without demos are listed at the bottom of the page you can get by clicking the title's link.

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.

All products and prices.

The Financial Plan Software Industry: How We Got Here: Website, Software, and Developer History

This section was moved to the free Money eBook

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