Discover VeriPlan -- The

Best Financial Planning Software

That You Can Buy

For Lifetime Financial Planning!

Do you want to understand more clearly:

• * How to achieve all your financial goals in one 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 enough personal wealth?
• * When you can afford to buy/upgrade your home and improve your quality of life?
• * What you need for future college and private school expenses?
• * When you will pay off your debts and be debt free?
• * Whether a traditional IRA or a Roth IRA might be better for you in the long run?
• ... plus useful answers to many other personal finance questions that you have?

Your Personalized Solution?

A lifetime financial plan that you develop with

easy-to-use, automated financial planning software!

What Can The Best Financial Planning Software Do For You?

• * Let you control your own financial planning and investment management destiny.
• * Automatically integrate all your objectives into one comprehensive lifetime plan.
• * Help you make more appropriate decisions for your particular situation and goals.
• * Allow you to easily update your plan and quickly evaluate future financial decisions.
• * Enhance your family's lifetime financial freedom.

VeriPlan Puts You In The Financial Driver's Seat!

What Else Can VeriPlan Do For You?

• * Help you make long-term decisions based on fully personalized lifetime scenarios.
• * Automatically analyze your lifetime income, expenses, debts, asset returns, taxes, and investment costs.
• * Do sophisticated computations, allowing you to focus on decision making.
• * Develop projections for your particular tax situation, including US federal, state, and local income taxes; tax deductions; property taxes; short-term and long-term investment capital gains taxes; asset tax basis; Social Security taxes; and Medicare taxes.
• * Instantly revise your plan, whenever you change any assumption or data.
• * Present all of your projections in logical graphics and data tables.
• * Provide user documentation in the software right where you need it.

21 Standard, Easy-To-Understand Projection Graphics

A Sample VeriPlan Lifetime Assets Projection Graphic

Fully Automated And Personalized Projection Scenarios

VeriPlan's automated scenario generation features allow you to develop unlimited projection scenarios. You can:

• * Change any earning, expense, debt, tax, investment, or saving assumption.
• * Adjust for major planned expenses in any year.
• * Model a wide variety of retirement related factors.
• * Vary expected asset class returns both systematically and judgmentally.
• * Assess the safety margins supplied by your projected cash and bond assets.
• * Use several, adjustable asset allocation methods to model asset risk exposure.
• * Adjust your taxable, traditional tax-deferred, and Roth account investment strategies.
• * Model the lifetime effects of numerous of investment costs and fees.
• * Automatically estimate the present value of your gross and net human capital.

VeriPlan Includes These Fully Integrated Planning Tools:

• * Earnings, expense, and savings calculators
• * Income, property, and capital gains tax calculators
• * Home purchase and mortgage calculator tools
• * Retirement assets and income calculator tools
• * Tax-advantaged retirement planning tools
• * Debt management calculators
• * Asset allocation and rebalancing tools
• * Investment cost reduction tools
• * Investment returns calculators
• * Investment portfolio risk tools
• * Investment portfolio safety tools

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Comments From A VeriPlan User

"Anybody who wants a low cost family financial plan can get a great deal of value out of VeriPlan.

"Our financial affairs were scattered all over, and my family lacked a comprehensive picture of what the future might hold for us. I wanted a more coherent and integrated understanding of our projected income, expenses, taxes, debts, assets, college expenses, retirement assets, and everything else.

"VeriPlan has been a very flexible tool for projecting our lifetime financial affairs. It took me several hours on a weekend to understand what VeriPlan could do and to collect and enter our financial data.

"VeriPlan's graphics simply lay out what the future might hold for us. It is a fast, automated financial projection tool that allows me to change anything and to test alternate financial decisions very rapidly.

"Integrated with its functionality, VeriPlan's documentation clearly explains how it works. A wealth of objective, well-researched personal finance and investment management information is also included. Since VeriPlan fully documented, self-learning and user-changable, I like not having to pay for updates or a support contract."

S. L., Pasadena, California

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VeriPlan's Earnings, Expense Budgeting, and 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 income adjustments on a year-by-year basis.
• * Fine tune your earnings growth rates for each income source.
• * Easily adjust projected expense inflation rates.
• * In any year, add major planned expenses, like private school expenses, college costs, home renovations, new babies, elderly parent care, etc.
• * Enter positive and negative annual expense adjustments and with different inflation rates in any projection year.
• * Use VeriPlan as a Children's Education Expenditure Planning Tool for private school and college costs for one or more children. Make annual adjustments for expected scholarships and loans.
• * Use VeriPlan as a Mid-Career Education Planning Tool and model the trade-offs associated with leaving work and returning to school for career advancement.

Do all this, as VeriPlan simultaneously projects your debt, tax, and investment expenses!

Completely Integrated & Automated Tax Tools

Income Tax, Property Tax, and Capital Gains Tax Calculators

• * Fully integrated tax calculator functionality automatically projects your lifetime tax obligations in eight different tax categories.
• * Automatically projects the particular federal income tax, state income tax, and even 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.
• * You can change all tax rates and limits used by VeriPlan, if tax laws change in the future.

A Sample VeriPlan Lifetime Tax Payments Graphic

Easily change any of VeriPlan's tax settings!

VeriPlan automatically generates personalized tax projections
through age 100 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 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.

Financial planning decisions require after-tax projections that reflect your particular tax situation!

Plan To Buy Or To Upgrade Your Home

VeriPlan's real estate calculator tools

• * Quickly and easily project the financials associated with purchasing 1, 2, or 3 homes.
• * VeriPlan automatically projects the total cash you need to complete this future transaction including down payment, closing costs, and other settlement cash requirements net of any planned mortgage debt.
• * Easily adjust the expected purchase price by any assumption about interim price decreases or increases.
• * VeriPlan automatically adds the new real estate asset to your portfolio and projects future real estate asset appreciation, maintenance costs, and real estate taxes.
• * VeriPlan automatically projects the value to you of future mortgage interest and real estate tax payments as income tax deductions.
• * VeriPlan's fully integrated Expense Budgeting and Savings Calculators allow you to add related costs, such as expenses to prepare your current home for sale, renovation expenses for your new home, and costs to furnish your new home.

VeriPlan's Rich Set Of Retirement Planning Tools

With VeriPlan's retirement 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.)
• * For Social Security retirement income payments, set your current entitlement levels and evaluate your decision about which age to accept your first Social Security payments. (If you wish, you can scale back the amount of your projected retirement payments, by a percentage reflecting your concern over the adequacy of S.S. Trust funding.)
• * Because older workers can face erosion of real dollar wages, adjust your assumptions about your real dollar wages, if you plan to keep working.
• * Better 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.
• * Project up to 10 separate pensions and annuities. (For each of your pensions or annuities, VeriPlan will automatically project: a) the dollar amount of the monthly payment, b) separate real dollar growth rates before and after the first payment, c) whether payments would begin at a specific age or at retirement, d) the duration of payments, and e) the taxability of payments.)

Investing in Tax-Advantaged Accounts For Retirement

VeriPlan's Tax-Advantaged Retirement Planning Tools

• * Fully automate your lifetime projections of retirement account assets in pensions and annuities; in 401k, 403b, 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.
• * 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 Plan To Repay All Of Your Debts

VeriPlan's Debt Management Calculators

• * For all your current debts, VeriPlan automatically repays the interest and principal -- using either minimum required payments or any higher payments that you choose.
• * Automatically project the pay-off of up to 25 mortgage, line of credit, credit card, student loan, and other revolving credit debts.
• * VeriPlan’s debt management calculators enable you to analyze the potential value of accelerated repayment of any or all of your loans versus alternate investment opportunities.
• * Plan faster repayments of your higher interest credit card debts and other higher interest debts and quickly evaluate the value of accelerated debt payoff.
• * Manage up to 3 debts with tax deductible interest. (These tax deductible interest payments will be automatically integrated into VeriPlan's projections of your itemized income tax deductions.)
• * Automatically project accumulated unfunded debt and interest obligations, if your expenses exceed your financial resources. (Experiment with this feature to understand how uncontrolled debt could put your finances into a destructive and unrecoverable downward spiral.)

Sophisticated, Automated Investment Projections

VeriPlan's Asset Allocation and Financial Asset Rebalancing Tools

• * Align the risk of your investment portfolio with your relative risk tolerance.
• * VeriPlan provides you with 5 user selectable and adjustable asset allocation methods for your cash, bond, and stock financial assets.
• * VeriPlan uses your preferred asset allocation method automatically to develop full life cycle investment asset ownership and returns projections for you.
• * User adjustable fixed, variable, and age-based investment asset allocation mechanisms are provided.
• * Reallocations of your portfolio are performed automatically each year over your life time projection according to the asset allocation method 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.

Avoid The Huge Penalty Of Excessive Investment Fees

VeriPlan's 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 lifetime investment costs associated with your current financial asset portfolio, and you can easily compare your current costs to the cost efficiency of a lower cost investment portfolio that you choose.

Fully Adjustable Investment Asset Class Returns Analysis

VeriPlan's Investment Returns Calculators

• * 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 by using growth rates that you anticipate.

Easily Analyze Investment Return Projections

VeriPlan's Investment Portfolio Risk Tools

• * You can use your own asset class investment return assumptions, which differ positively and/or negatively from the centerline 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 rates of asset class investment returns on a judgmental, one-by-one 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 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.

JUST CLICK THE BUTTON AND ORDER NOW!

ONLY $57 for a license for ALL your household PCs

... with FREE SHIPPING of the CD within the USA!

You Get a Full 30-Day, 100% Money Back Guarantee!
No Questions Asked!

No Support Contract Required!

No Need To Buy Upgrades, Since All Parameters Are User-Changeable!

Thank You for Your Order!

Put yourself in the driver's seat by doing your own
comprehensive lifetime family financial plan!

We Have Taken All The Risk Out of Your Purchase

Ordering, Money Back Guarantee, and Free Shipping Information

• * One VeriPlan End User License is only $57!
• * Shipping via USPS is FREE in the USA.
• * California orders pay California sales tax.
• * Payments are made in US currency and are processed through PayPal using either a major credit card or funds in your PayPal account.
• * A paid VeriPlan license gives you an UNCONDITIONAL 30-Day Money Back Guarantee. If you aren't happy for any reason during the first 30 days, you get your money back via a refund to your PayPal account.
• * Following receipt of your paid order, the standard VeriPlan CD will be shipped to you via USPS, usually on the next business day.
• * The VeriPlan CD contains: 1) the VeriPlan Software, 2) the fixed VeriPlan Tutorial with commentary, 3) the user-changeable VeriPlan Tutorial, 4) Read Me instructions, 5) the VeriPlan End User License, and 6) the VeriPlan Overview.
• * VeriPlan is licensed software and is not sold. The VeriPlan End User License covers the personal and non-commercial use by one household of VeriPlan running on the personal computers owned by that household.
• * 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 under separate terms.

The Best Personal Finance Software

Designed for You to Use at Home!

Organization, Documentation, Tutorials, and Ease of Use

• * VeriPlan provides 73 user accessible worksheets, graphics, and tables that are organized into six groups: overview, financial profile inputs, financial planning tools, summary information, projection graphics, and projection data tables.
• * Your projections can begin at any age from 18 to 99 and will continue automatically through age 100.
• * VeriPlan's 21 projection graphics cover ages 18 to 100 years in yearly increments. For ease of analysis, VeriPlan also automatically provides 21 projection data tables with all the data used in each of the 21 projection graphics.
• * All VeriPlan projections extract inflation and use real or non-inflationary dollars with constant purchasing power projected across your lifecycle.
• * VeriPlan has no built in obsolescence like so many other financial applications, which are designed to force annual repurchases. You can use VeriPlan year after year and update whatever you need 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. There is no need for a separate manual.
• * VeriPlan's tutorial files help you to understand what VeriPlan can do for you to improve your personal financial planning.
• * A fixed tutorial with sample data supplies commentary on how VeriPlan can be used. The same tutorial is also provided in a fully modifiable version of the tutorial, so that you can change any value to learn how VeriPlan works.
• * 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 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.
• * VeriPlan runs in a standalone configuration. Internet connectivity will augment the information available to you, but Internet connectivity is not required to operate VeriPlan.
• * To operate, VeriPlan requires a modest capacity 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 has a large, 50Mb file size and user data has little effect on this file size. As such, opening and saving VeriPlan can take about a minute. More powerful machines with faster CPUs and more RAM may save more quickly.
• * 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 later, 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 Tools Software Kit

Developed with Objective and In-Depth Knowledge
of Financial and Investment Planning

• * VeriPlan's chief architect and developer is Larry Russell. He is an experienced financial planner and a 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 strategies work and which do not. This preparatory research lead to the conclusion that the sophisticated computational details required for lifetime personal financial and investment management projections could be automated.
• * Once these myriad computations were automated, then individuals could use the resulting tool to focus on improving their personal do-it-yourself financial planning knowledge, skills, and decision-making.
• * In a nutshell, this explains the origins and objectives of VeriPlan, the Do-It-Yourself Personal Financial Planner -- Designed with You in Mind!

VeriPlan Is An Objective, Scientifically Based Planning Tool.

VeriPlan Is All That We Have To Sell.

We Do Not Sell Any Financial Products Or Investment Securities.

Avoid Costly Advisor Conflicts-of-Interest By Separating Your Financial Planning Process From Your Financial Product Purchasing Decisions.

VeriPlan is a Great Product, a Great Deal, and a Great Help with Your Personal Financial Planning!

JUST CLICK THE BUTTON AND ORDER NOW!

ONLY $57 for a license for ALL your home PCs

Plus, a No Risk 30-Day, 100% Money Back Guarantee!

We mail your VeriPlan CD the next business day after PayPal has notified us of your order. We also send an email to you, when your order ships. VeriPlan shipments via USPS typically take 3 to 10 days to arrive.

Thank You Very Much for Your Order!