Simply the Best Lifetime and Retirement Financial Planning Software for Consumers
Runs on any Windows PC or Mac with Microsoft Excel
Free bonus Low Cost Mutual Fund and ETF Buyers Guides
Order below and download today!
Easy-to-use DIY home financial planning software
Plan your lifetime financial freedom and retirement security
Save money and control your own financial destiny
Integrate all your objectives into a comprehensive and unified lifetime plan
Model your particular income, expense, debt, tax, and investment situation
Focus on decisions, while complex computations run automatically in the background
Gain clarity through standard projection graphics and data tables
Follow clear instructions provided in the software right where you need them
Easily update your plan in the future to track progress and evaluate new decisions
Put yourself in the financial planning driver’s seat
Sophisticated, automated, and customized lifetime tax modeling tools
Automatically analyze your lifetime income, expenses, debts, asset returns, taxes, and investment cash flows
Make long-term decisions based on fully personalized lifetime planning scenarios
Develop lifetime projections for your particular tax situation, including:
US federal, state, and local graduated income taxes
short-term and long-term investment capital gains taxes with asset tax basis tracking
Social Security and Medicare taxes
Instantly revises your plan, whenever you change any tax setting
Lifetime financial planning and retirement graphics
An example of VeriPlan’s automatically generated graphics
Fully personalized financial projection scenarios
Compare unlimited lifetime financial planning scenarios with VeriPlan’s cash flow modeling and retirement planning software
Change any and all earnings, expense, debt, tax, investment, or savings assumptions
Adjust for major planned expenses in each and every year
Automatically estimate the present value of your lifetime savings and human capital
Model a wide variety of retirement investment, retirement income, and retirement withdrawal planning strategies
Optimize your taxable, traditional tax-deferred, and Roth retirement account investment strategies
Model lifetime investment risk and returns with automatic asset allocation and rebalancing tools
Vary expected asset class returns systematically to test returns projections
Project portfolio safety margins provided by your cash and bond assets
Model the cumulative, lifetime impact of excessive investment costs and fees
DIY personal financial planning software tools
VeriPlan includes these fully integrated financial planning tools
Lifetime earnings, expense, and retirement savings calculators
Income, property, and capital gains tax calculators
Home purchase and mortgage calculator tools
Retirement planning calculator and income calculator tools
Tax-advantaged retirement planning tools
Debt management calculators
Asset allocation calculator and rebalancing tools
Investment cost reduction tools
Investment returns calculators
Investment portfolio risk tools
Investment portfolio safety tools
Integrated earnings, expenses, and retirement savings
VeriPlan’s lifetime earnings, expense budgeting, and retirement savings calculators
Project salary, bonus, and self-employment income until your retirement at any age
Incorporate any other expected income sources before and after retirement
Make any positive or negative annual income adjustments on a year-by-year basis
Fine tune your earnings growth rates for each income source
Easily adjust projected expense inflation rates
Add major planned expenses in any year, such as home renovations, new babies, elderly parent care, vacations, etc
Enter positive and negative annual expense adjustments and with different inflation rates in any projection year
Use as a children’s educational expense and college planning tool with adjustments for expected scholarships and loans
Use as a career education expense planning tool to model the trade-offs associated with returning to school for career advancement
Do all this automatically, while VeriPlan simultaneously projects all of your debt payments, taxes, investment appreciation, and investment expenses!
VeriPlan is Simply the Best Combined Lifetime Financial Planning Software Retirement Planning Software You Can Buy
Everything is user-changeable
No need to buy upgrades — No support contract needed
One household license for ALL of your Mac and Windows devices
Download NOW for any computer running Microsoft Excel
30-day 100% money back guarantee. No risk. No questions asked,
Simply click this button to order !
Just $49.95 for All Windows and Mac computers in your household
If you want VeriPlan, just order above and download VeriPlan now.
Otherwise, keep scrolling down to read the rest of this page, which explains even more of VeriPlan’s extensive functionality.
Fully automated lifetime personal tax projection software
Income tax calculators, property tax calculators, and capital gains tax calculator tools
Fully integrated tax planning software calculators automatically project your lifetime tax obligations in eight different tax categories
Uses the particular federal income tax, state income tax, and local income tax rates and limitations that currently apply to you
Projects your personal tax exemptions, adjustments, and deductions plus your property and your short-term and long-term capital gains taxes
Change all tax rates and limits supplied with VeriPlan, if tax rates change in the future
A VeriPlan lifetime tax planning worksheet graphic
Easily change any or all of VeriPlan’s tax settings
Through age 100, VeriPlan automatically generates personalized tax projections using …
… your current graduated U.S. federal income tax rates and limits (that you can change).
… your current variable or flat state income tax rates and limits. (VeriPlan comes with state income tax rates for the 50 United States and Washington, D.C. Select any state to develop your projections.)
… local personal income tax rates and any limits. (VeriPlan can project: no local taxes, flat local tax rates, graduated local tax rates, or the New York City income tax rates that are provided.)
… different levels of taxable income at the federal, state, and local tax levels, if you wish.
… the ‘Single’ or “Married, Filing Jointly’ federal income tax filing status. VeriPlan automatically applies the tax rates and tax limits that are associated with either of these filing statuses.
… up to 10 tax exemptions for your tax dependents, including age related phase-outs.
… up to 6 adjustments to your income subject to income taxes.
… your federal income tax deductions, (while automatically applying the more favorable of either the standard tax deduction or your itemized tax deductions in any projection year.)
… your applicable Social Security (FICA) and Medicare taxes.
… either salaried employee tax rates or self-employment tax rates, as appropriate.
… your long-term qualified dividend and long-term capital gains taxes on your long-term capital gains distributions and asset withdrawals.
… your cumulative asset class tax basis for assets and asset classes. (VeriPlan projects taxes net of your cumulative asset tax basis.)
… your total property taxes, real estate taxes, and other assessed property taxes.
To make better financial planning decisions, you need after-tax projections that reflect your particular tax situation!
Up to 5 Homes, 10 Rentals, and 10 Other Properties
VeriPlan’s property and real estate calculator tools automatically:
Project key asset, expense, tax, and cash flow factors associated with owning now and/or purchasing/selling in the future up to 5 homes, 10 rentals, and 10 other properties
Calculate the cash you need to complete these transactions, including down payments, buying/selling/closing costs, and other settlement cash requirements net of any planned mortgages/debts, while taking into account interim asset appreciation and taxation
Add new homes, rentals, and other property assets to your portfolio in the future and project future real estate price appreciation, maintenance costs, other expenses, and property and business taxes
Project the cash flow value to you of future mortgage interest, business, and real estate tax payments as income tax deductions, while taking into account exclusions and income limitations
Track positive and negative after-tax cash flows related to homes, rentals, and other businesses related to ongoing operations, purchases, and sales
Manage future expenses to prepare and sell each property, while taking into account projected values, tax basis, depreciation, and capital gains on real estate and other property sales
Handle current and future debts associated with homes, rentals, and properties including cash flow, deductions, limitations, and accelerated retirement of any debt
The best retirement planning software tools
With VeriPlan’s Social Security retirement estimator, retirement annuity calculator, and retirement pension calculator tools, you can easily:
Set individual retirement ages and select whether a married working couple would retire simultaneously or in different years
Adjust your planned retirement living expenses and the expected inflation rate of your retirement living expenses
Adjust your retirement expenses year by year (For example, you could add the projected cost of an ocean cruise every two years during your retirement.)
Set your current Social Security retirement income payment entitlement levels and evaluate your decision about which age to accept your first Social Security payments (If you wish, VeriPlan’s Social Security retirement calculator tools allow you can scale back the amount of your projected Social Security retirement payments, by a percentage reflecting any concern over the adequacy of Social Security trust funds.)
Because older workers can face erosion of real dollar wages, adjust your assumptions about your real dollar wages, if you plan to keep working
Project up to 10 separate pensions and annuities (For each of your pensions or annuities, the VeriPlan retirement calculator with pension tools will automatically project: a) the dollar amount of the monthly annuity or pension payment, b) separate real dollar growth rates before and after the first pension or annuity payment, c) whether annuity or pension payments would begin at a specific age or at retirement, d) the duration of pension or annuity payments, and e) the taxability of annuity or pension payments.)
Understand better your preparedness for a long life and long retirement, since every VeriPlan projection automatically analyzes the adequacy of your financial resources through age 100
Fully automate your lifetime projections of retirement account assets in pensions and annuities; in 401k, 403b, 457, SEP, SIMPLE, and other employer plans; and in personal IRA, Keogh, and self-directed 401k accounts
Automatically project your annual net assets in your taxable accounts, your traditional tax-deferred accounts, and your Roth IRA and 401k accounts across your lifetime
Completely automate the financial planning of your lifetime traditional IRA and Roth IRA contributions, deductions, asset growth, withdrawals, and taxation with VeriPlan’s fully integrated retirement investment calculator, retirement income calculator, and retirement withdrawal calculator software features
Quickly analyze whether traditional tax-deferred retirement plan contributions versus Roth retirement plan contributions would be more valuable in your particular circumstances across your lifetime
Easily control whether your projected lifetime plan contributions would be funded from future positive net income and/or from future taxable financial assets — up to annual contribution limits
Automatically project repayment of any debt
VeriPlan’s debt management calculators and mortgage calculator tools
For all your current and future debts, VeriPlan’s fully integrated debt management spreadsheet features will automatically repay the interest and principal — using either minimum required payments or any accelerated loan payments that you choose for:
Up to 10 credit card, car loan, student loan, and other revolving credit debts
Up to 10 home mortgage and home equity line of credit debts related to personal residences, vacation homes, and residential upgrades
Up to 20 debts associated with rental real estate properties
Up to 10 debts associated with other properties and business interests
Help you analyze the potential value of accelerated repayments for any or all of your loans versus the alternate investment opportunities you would have for the additional cash
As appropriate for each type of debt, projected tax deductions and tax limitations are automatically taken into account, including itemized income tax deductions for residences within limitations related to income, number of properties, and type of loan.
Automatically project accumulated unfunded debt and interest obligations, if your expenses exceed your financial resources. (This feature illustrates how uncontrolled debt could create a destructive and unrecoverable downward spiral.)
Automatic asset allocation calculator and portfolio rebalancing tools
VeriPlan provides 5 different user adjustable asset allocation methods for your cash, bond, and stock financial assets
Align the risk of your investment portfolio with your relative risk tolerance
VeriPlan’s compound investment calculator tools use your preferred asset allocation method to develop lifetime investment asset ownership and returns projections for you automatically
User adjustable fixed, variable, and age-based investment asset allocation mechanisms are provided
Portfolio reallocations are performed automatically each year throughout your lifetime projection according to the asset allocation method and settings that you choose
You can easily and quickly evaluate the trade-offs between different asset allocation strategies within the context of your projected lifetime financial situation
Understand and avoid excessive lifetime investment management fees
VeriPlan’s lifetime investment cost tools
Excessive investment costs are a huge problem for the average individual investor.
Reducing investment fees is the most effective and scientifically valid investment strategy that investors have to improve their investment returns.
VeriPlan automatically analyzes the cumulative impact of five types of investment expenses across your life cycle: 1) sales loads and fees, 2) 12b-1 securities marketing fees, 3) asset management expenses, 4) investment trading costs, and 5) investment custody fees.
VeriPlan fully automates the analysis of the annual and cumulative lifetime investment costs that are associated with your cash, bond, and stock financial asset portfolio.
You can quickly understand the cumulative lifetime investment costs associated with your current financial asset portfolio.
You can easily compare lifetime projections using your current investment costs against projections using lower investment costs that you choose.
Excessive costs undermine your retirement investment portfolio
Fully adjustable investment asset class returns analysis
VeriPlan’s future value investment calculator software
VeriPlan’s automated centerline projections use very long-term, historical securities market rates of return on the cash, bond – fixed income, and stock – equity investment asset classes over the past 80 years.
You can adjust any of these projected rates of return, using VeriPlan’s Portfolio Risk Tool.
All your projections will automatically deduct short-term capital gains taxes, long-term capital gains taxes, and investment costs from your gross financial asset investment returns.
VeriPlan will automatically project the fair market value of your real estate, property, and other assets using the asset growth rates that you anticipate.
VeriPlan’s investment risk and return portfolio tools
You can use your own asset class investment return assumptions, which differ positively and/or negatively from the financial asset class return assumptions that VeriPlan supplies.
To understand better the asset class investment risk of your portfolio, you can vary automatically your expected asset class investment returns either upward or downward in proportion to their historical volatility.
Alternatively, you can automatically vary the expected returns of financial asset classes on a judgmental basis.
Furthermore, you can analyze the effects of substantial near-term changes in the securities market value of your financial asset portfolio using the Current Portfolio Revaluation Tool.
Assess your projected financial planning risk and security
VeriPlan’s investment portfolio safety tools
Individual investors face a dilemma — less risky and more risky investment strategies may not achieve desired results for different reasons.
When assessing investment strategies with different risk levels, it can be helpful to understand how the “safer” portion of your portfolio assets might evolve across your life cycle.
This tool automatically projects how long your cash and shorter-term fixed income assets would cover your projected expenses, if all your expected income sources ceased at any point.
VeriPlan automatically measures your projected financial capacity to weather future financial risks that might materialize at any point.
And, of course, everybody loves a bonus!
Order now to receive these valuable ebooks at no extra charge
Each book is approximately 200 pages and lists of the 200 lowest cost no load index mutual funds or exchange-traded funds (ETFs) across 30 asset categories.
Updated quarterly in Acrobat format, these highly useful books also discuss why you should choose only the lowest cost index mutual funds and ETFs.
In addition to the significant value of VeriPlan as a lifetime financial planning decision tool, these lowest cost noload mutual fund and ETFs ebooks can help you recoup the modest cost of VeriPlan very rapidly.
Worth $19.50, download both Acrobat ebooks FREE with your order. You will get the latest ebook editions with VeriPlan
VeriPlan is Simply the Best Combined Lifetime Financial Planning Software and Retirement Planning Software You Can Buy!
Everything is user-changeable — No need to buy upgrades
Easy, fully documented, and self-learning — No support contract needed
One household license covers ALL of your Mac and Windows devices
Download today for any Mac or Windows device running Microsoft Excel
Simply click this button to order now!
Just $49.95 for ALL your household Windows and Mac devices
30-day No risk, No questions asked, 100% money back guarantee
Thank You Very Much For Your Order!
Product ordering information:
Payments are made in US currency and are processed through PayPal using either a major credit card or funds in your PayPal account
California orders pay California sales tax
The zipped product download folder includes:
the VeriPlan lifetime and retirement financial planning software
Read Me instructions
How-to-Use quick starter guide
Whole household End User License
the Lowest Cost No Load Mutual Funds ebook
the Lowest Cost ETFs ebook, and
the VeriPlan User Guide Manual ebook
VeriPlan is licensed and copyrighted software and is not sold. The VeriPlan End User License covers the personal and non-commercial use by one household of VeriPlan running on Microsoft Excel on the Macintosh and Windows devices owned by that household.
The 30-Day Money Back Guarantee is UNCONDITIONAL and is provided via a PayPal refund.
VeriPlan has been developed by and is licensed to you by Lawrence Russell and Company, 1077 Prospect Blvd., Pasadena, CA 91103
Purchase terms are subject to change without notice at the sole discretion of Lawrence Russell and Company.
The VeriPlan software and VeriPlan trademarks are the exclusive property of Lawrence Russell and Company.
Commercial licenses for financial planners and investment advisers to use VeriPlan with their clients are available.
The Best Lifetime Financial Planning Software and Retirement Planning Calculators Designed for You to Use at Home
Ease of use, organization, documentation, and tutorials
VeriPlan provides 10 user accessible input worksheets, 25 graphics, and 2 consolidated data tables that are organized into groups.
Your projections can begin at any age from 18 to 99 and automatically continue through age 100.
VeriPlan’s projection graphics cover ages 18 to 100 years in yearly increments. For ease of analysis, VeriPlan also automatically provides a consolidated projection data table with all the data that used in each of the projection graphics.
All VeriPlan projections extract inflation and use real or non-inflationary dollars with constant purchasing power projected across your lifetime. (With real dollars, where goods and services cost the same over time, it is easier to gauge the workability of your lifetime financial and retirement plan.)
VeriPlan has no built in obsolescence like so most other financial applications, which require software maintenance contracts and/or force you to make annual repurchases. You can use VeriPlan year after year, and you can update whatever you need to update by yourself. For example, if your tax rates change, you can plug in the new tax rates and keep going.
All VeriPlan worksheets provide extensive and readily available documentation — right where you need it within VeriPlan. There really is no need for a separate manual, although a VeriPlan User Guide Manual is also provided with extensive extra information about lifetime and retirement financial planning and investing.
All user data entry points are clearly marked and explained. Only user-changeable cells can be selected by the user, and all such user-changeable cells provide data entry advice and do automatic error checking.
VeriPlan provides extensive internal hyper-linking to help you to get around quickly and easily within and between spreadsheets.
VeriPlan also provides numerous external hyper-links to articles that have been published on websites that we maintain, and which explain personal financial planning and personal investment management concepts.
High performance home personal financial software
Systems and software platform information
VeriPlan is designed for high performance, personal financial projection development. Response to any change that you make is designed to be sub-second, as VeriPlan very rapidly revises all affected parts of your projection scenarios. You can run multiple VeriPlan projections simultaneously for comparison purposes.
VeriPlan’s core functionality has been rich, robust, and stable since 2006. It receives at least annual enhancements and updates primarily related to annual tax rate and tax limit changes.
VeriPlan runs in a standalone configuration. Internet connectivity will augment the information available to you via standard browser hyperlinks, but Internet connectivity is not required to operate VeriPlan.
To operate, at a minimum VeriPlan requires a modest capacity Windows or Mac personal computer that runs Microsoft Excel 2002 or later. To check your Excel version, open Excel and choose Help and then About Microsoft Excel. VeriPlan is not compatible with and not supported on Open Office, Mac Numbers, or any other non-Microsoft Excel spreadsheet.
VeriPlan has a large file size and user data has little effect on this file size. As such, opening and saving VeriPlan can take up to a minute. More powerful machines with faster CPUs and more RAM can open and save VeriPlan much more quickly. (VeriPlan running on Excel 2007 or later has a file size of about 25Mb, and on older Excel versions, the file size is about 51Mb.)
VeriPlan’s financial projection functionality has no software dependencies other than Microsoft Excel 2002 or later. VeriPlan uses an integrated Visual Basic Project that contains no code, and it does this solely for spreadsheet locking and security.
VeriPlan contains no macros. VeriPlan makes no external calls, except when a user clicks on a standard hyperlink in VeriPlan, which will invoke your preferred Internet browser to connect to financial websites that have more educational information for you.
VeriPlan runs on both MS Windows and Macintosh personal computers. VeriPlan will run on Microsoft Windows personal computers running Microsoft Excel 2002 or any later version, and on Macintosh personal computers. We test on both. VeriPlan is a pure MS Excel application and only makes standard calls to Excel, making it portable across platforms.
Microsoft Windows personal computers are the development and functional reference platform for VeriPlan. VeriPlan’s minimum test system configuration is an 800 MHz Pentium 3 processor, 256Mb RAM, MS Windows XP (SP-2), and MS Excel 2002 (SP-3).
A scientifically based do-it-yourself financial planning software tools kit
Developed with objective and in-depth knowledge of financial, investment, and retirement planning practices
VeriPlan’s chief architect and lead developer is Larry Russell. He is an experienced comprehensive financial planner and a California Registered Investment Adviser who holds a BS from MIT, MA from Brandeis, and MBA from Stanford.
Larry Russell, Managing Director
MBA (Stanford U.), MA (Brandeis U.), and BS (M.I.T.)
“My goal is to increase your knowledge and improve your ability to manage your own personal finance and investing affairs.”
VeriPlan’s chief architect, Larry Russell, has expertise in economics, finance, investments, marketing management accounting, taxation, probability, statistics, software development, web technologies, and quality control. He also has 25 years of Silicon Valley corporate and startup work experience as a corporate development executive, business analyst, product manager, and CFO.
VeriPlan was developed over a three-year period following two years of intensive research into the academic literature on personal financial planning and personal investment management.
The original objective of this research was to determine which personal finance and retirement planning strategies work and which do not. This preparatory research lead to Larry’s conclusion that the highly interconnected computational details required for truly comprehensive lifetime personal financial, investment management, and retirement financial planning projections could be automated. VeriPlan is the result.
Once these myriad computations were automated, and thus hidden, individuals could then use the resulting tool to focus on improving their lifetime financial planning and retirement decision-making.
In a nutshell, this explains the origins and objectives of VeriPlan, the do-it-yourself lifetime financial and retirement planner software — designed with you in mind!
VeriPlan is a great product, a great deal, and a great help with your personal financial and retirement planning
Click this button to order now!
ONLY $49.95 for ALL your household Windows and Mac devices
Thank You Very Much for Your Order!
VeriPlan can help you to understand:
How to achieve all your financial goals in a unified and comprehensive lifetime plan
What you must save and invest to achieve long-term financial freedom for your family
How to prepare for a comfortable retirement with sufficient retirement income and personal wealth
When you could afford to buy or upgrade your home to improve your quality of living
What you need for future college and private school expenses
When you can pay off your debts and live debt free
The best balance between retirement account contributions versus taxable investments
… and highly personalized answers to your other personal finance and retirement planning questions
Comprehensive, do-it-yourself, home financial planning software tools … VeriPlan is the best personal financial planning software at the best value!