financial security Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

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

The Quality and Cost of Advice Paid by Investment Sales Loads

Can you really get free and objective investment advice, when you pay investment sales loads? Excessive investment expenses are one of the most significant barriers to your family’s lifelong financial security. Excessive investment costs are a plague on your personal financial planning. While financial services industry sales people tell you that you need to pay […]

Determine the Savings You Need for Your Lifetime Financial Goals

You cannot invest without savings. How much savings are enough? … too little? … too much? Currently, the U.S. is experiencing a savings crisis. The net personal savings rate is zero or slightly negative, despite a healthy and growing economy. This situation is a prescription for millions upon millions of future personal financial disasters. (See: […]

"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

"I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed. By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes. It is a real education in personal finance, and I think just about everyone would benefit from using this tool. I am going to tell everyone I know about VeriPlan. Thank you very much for creating it. Your web sites are great, too."T. H. in Silicon Valley CA