Financial Planning Software for all Ages and all Situations

Download our no-obligation, free-trial Net Worth Map™ software to quickly evaluate your current financial trajectory.  Use it to easily build a goal-oriented financial road-map from now through the final settlement of your estate by optimizing your savings and spending plans for the highest probability of success.   Net Worth Map™ is a state-of-the-art financial planning software package designed to replace the expensive, in-person financial adviser who dispenses the same boilerplate "plan" to all of his or her clients.  It enables you to easily develop your own financial plan and then adjust it in minutes whenever you experience unanticipated life changes. Net Worth Map™ finally answers the questions that perplex millions in the middle of the night:  Am I on track to meet my financial goals?  What is my Number?  Can I retire? How It Works Net Worth Map™ explicitly considers factors over which you have considerable control (your spending) partial control (your income) and little or no control (your investment returns, taxes, inflation, and interest rates) in order to give you a probabilistic forecast of your future net worth by year. Net Worth Map™ gently teaches you how to better manage your money, make smarter investment choices, understand risks and variability in the market economy, and prepare yourself for the uncertain future.

  
  Benefits of Net Worth Map™:

Addresses the following six problems commonly found in lesser financial planning software:

1.  Failure to Account for fees, taxes, and inflation: Net Worth Map™ incorporates YOUR current tax rates and lets you change them for  "what-if" analysis.  It automatically handles tax impacts of contributions to and withdrawals from traditional and Roth retirement plans and taxable savings accounts.  It lets you specify adjustments for fees and dividends that distinguish your investment returns from market indexes.

2.  Unrealistic rates of return:  Net Worth Map™ analyzes your investments, income, and expenses against 1000 combinations of each 12-month stock and bond market rate of return, and the corresponding CPI inflation rate, that has occurred since 1950.  If you prefer, you can even select your own time intervals for "worst case" or "best case" planning.  Utilizing actual historical data in this way helps you analyze the possible impact of unforeseen "Black Swan" events in financial markets (like the 1987 and 2008 stock market crashes) on your plan.  The impact of these or even more frequent or larger "outlying" events cannot be captured by other planning software that relies on static or normalized economic inputs.

3.  Underestimating life expectancy:  Net Worth Map™ lets you specify and change your life expectancy, full retirement age, and years as a part-time worker before or after retirement.

4.  Social Security benefits not factored in:  Net Worth Map™ links to the government's official Social Security Calculator.  It lets you specify when you will choose to receive Social Security benefits and adjusts your benefits accordingly.

5.  Home equity treatment varies:  Net Worth Map™ separates investment returns on stocks, bonds, and other "liquid" investments that can easily be sold to meet daily living expenses from"non-liquid" assets such as Real Estate and home equity for cash flow and investment analysis purposes. 

6.  Life events are difficult to account for:  Net Worth Map™ lets you specify one-time major purchases or recurring, permanent increases or decreases in your income and/or expenses.

Contact us for more details on the benefits of this one-of-a-kind financial planning software.