financial asset Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

Allocate investments across the primary asset classes – Step 5 of 10 Financial Planning Steps in the Right Direction

CLICK HERE TO READ THE SKILLED INVESTOR’s OTHER ARTICLES ABOUT THESE “10 FINANCIAL PLANNING STEPS IN THE RIGHT DIRECTION Appropriately setting your personal investment asset allocation in line with your personal investment risk tolerance is a critical decision for every individual investor. Financial Planning Software for Consumers Because the average risk-averse investor holds the average […]

Analyze Multiple Personal Financial Planning Decisions Simultaneously with VeriPlan

VeriPlan allows you to analyze multiple personal financial decisions simultaneously Personal financial and investment decisions are complex, because so many different factors are in play simultaneously. When an integrated financial software application like VeriPlan is developed by people who understand scientific financial projection methods, all these different factors can be measured and automated on a […]

"VeriPlan has been a very flexible home financial planning tool. It took me a few hours on a weekend to understand what VeriPlan could do and to enter our financial data. Our family financial affairs were scattered all over, and we lacked a comprehensive picture of what the future might hold for us. I wanted a clear understanding of our projected lifetime and retirement income, expenses, taxes, debts, real estate, financial assets, college investments, retirement investments, and everything else all together."S. L. in Altadena, CA

"I do most of my own financial modeling, and I like the way VeriPlan generates “what if” scenarios that I like to compare, such as possibly buying a rental property, selling my house and renting, moving social security retirement age payment timing, and pulling out IRA money after taxes. Plus, I like VeriPlan for its automated projection of detailed investment costs. Thanks for making a great product. It has been a pleasure hearing from you and I read the article you suggested. All the best!"K. W. in Naperville, IL

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX