Professional features and quality -- yet easy to use by the non-professional.

A comprehensive, easy to use approach to retirement and financial planning.

Easy to create financial scenarios for retirement planning and other personal financial planning. Plan for current and future financial events. Track investment, tax free, retirement, and other asset and equity accounts. Year by year detailed results report. Import account balances from other financial software, data bases and spread sheets. Export results to spread sheets and data bases. Manage and track credit card debt.

The Financial Planner is a tool that allows you to create simple or complex financial scenarios based on financial events though out your life. You create the scenario based on your current financial status and future financial events.

The J&L Financial Planner executes your scenario and displays the effects on your net worth through out a selected time span. The output is displayed in a text format that shows the yearly effects on up to 50 accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs. The program also has a comprehensive Monte Carlo Analysis included to measure you future risk.

The program can create a scenario based on mortgage, loan, credit card debt, withdrawal, deposit, and transfer events. Each event has the option to be adjusted yearly for inflation or a separate yearly adjustment rate. Each event can be applied to any of the up to 50 accounts. The scenario is presented in a year by year text format. The results are presented in a year by year text format as well as line, bar and pie graphs.

The program is presented in a manner that allows you to edit values for what-if scenarios. There is a random value option that shows the effect of a selected range of random rate changes on your accounts. The professional version includes a complete Monte Carlo Analysis.

The J&L Financial Planner was designed to develop wide ranging financial scenarios such as:

Developing a savings strategy for retirement.
Built in Minimum Required Distribution (MRD).
Analyzing future investment risk with the comprehensive Monte Carlo Analysis.
Showing how net worth is affected by saving strategies, inflation, taxes, mortgages, and loans.
Developing a savings strategy for a childs college education.
Revenue Code Section 529 college investment implemented.
Implement up to 5 separate budget scenarios.
Create a manageable credit card debt payoff strategy.
Show the effects of Asset Allocation Withdrawals on you net worth over time.
Developing a savings strategy for buying a home.
Showing how various saving strategies are affected by lifes financial events.
Creating trade-offs between mortgage options including a comprehensive refinancing analysis.
Performing what-ifs on numerous financial parameters that affect savings and investments.
Understanding the time value of money and the magic of compounding interest.
Helping you create viable options in your financial future.