Retirement Planning Software
Financial Planning Software
for Windows 95/98/ME/2000/XP/Vista/Windows 7

The following features are included in the Retirement version and Professional version only:

• All of the above.
• You can create up to 5 separate budgets.
• Asset allocation withdrawal options.
• Track your IRA Basis (after tax contibutions.)
• Find out if a Reverse Mortgage is right for your financial planning objectives.
• It calculates your Required Minimum Distribution (RMD.)
• See the effects of lump-sum or periodic payments to the principal of your mortgage on your financial plan.
• Play 'What If" with your financial plans with scenario event groups.
• Revenue Code Section 529 (College Savings Plan) implemented.
• Rule 72T withdrawals implemented (Click here for discussion.)

The following features are included in the Professional version only:

• All of the above.
• Unlimited budgets to itemize both your income and expenses.
• Measure your investment risk with the Monte Carlo Analysis (Click here for discussion.)
• Measure your investment risk with the Historical Return Analysis. (Click here for discussion.)
• Track your Asset Allocations.
• Rebalance up to 5 separate account groups yearly or multi-yearly.
• Track your investment's total returns - realized and unrealized gains, dividends, and Cost Basis.
• Find out if a Home Equity Line of Credit (HELOC) is right for your financial planning objectives.
• Track your investment real estate including itemized income and expenses.
• You can customize your financial reports.
• You can customize the financial graphing.
• You have numerous report options.
• Your reports can be exported to spread sheets and databases.
• You have access to more reports.
• And much more!

Reviews

J&L Financial Retirement Planner / Financial Planner - "a must"

Accounting Today magazine, in its June 7th, 2010 issue, had this to say about J&L Software's financial planning software.

" Though this is the retirement-specific version, most accountants prefer the capabilities of the Professional Version, which offers more advanced planning and portfolio management capabilities, including the ability to handle unlimited budgets, real estate investments, Monte Carlo simulations, historical return analysis and asset allocation. It also allows the planner to define groups of accounts and maintain a constant asset allocation within each group. This feature allows the user to rebalance each group yearly or periodically. There is also a feature that allows the user to rebalance a group when funds are transferred into an account within that group.", "A must for the planner's toolbox", by Dave McClure. Accounting Today June 7, 2010 Full text of the above review.

J&L Financial Retirement Planner / Financial Planner - "excellent choice"

Accounting Today magazine, in its June 4th, 2007 issue, had this to say about J&L Software's financial planning software.

"Designed with a straightforward timeline organization, the J&L Retirement Planner and the Professional version are both well-suited to accountants serving clients who are not yet engaged in formal financial planning for wealth accumulation and distribution. Their low cost - and the free updates and upgrades included in the price - make either one an excellent choice for accountants seeking an uncomplicated but effective planning solution.", "Retirement planning rapidly emerging as a software specialty", by Dave McClure.Accounting Today June 4th, 2007 Full text of the above review.

J&L Financial Planning Software - "best of breed"

Accounting Today magazine, in its March 20th, 2006 issue, again included the J&L Retirement and Financial Planning software as "best of breed." This time in the "basic analysis category for 2006."

"The basic functions of the program are geared toward an individual performing self-assessment and planning. More advanced features are added in the retirement planning version, including the ability to create up to five separate budgets, the ability to track the Internal Revenue Service basis, and implementation of college savings and early distribution programs established by the IRS. The Professional version scales even further with the addition of unlimited budgets, real estate investments, Monte Carlo simulations, historical return analysis, and enhanced flexibility in its graphics and presentation.", "This is not your father's basic analysis software", by Dave McClure. Accounting Today March 20, 2006 Full text of the above review.

The J&L Financial Planner Allows You to Choose Your Own Level of Detail

In a few minutes you can create a simple "broad brush" financial plan, and as you become more familiar with the program, you can add detail to create a very comprehensive plan. As reported in the BusinessWeek article, "Getting with the Retirement Program" by Ellen Hoffman, July 25, 2005, "J&L produces a year-by-year report -- which it calls a scenario -- for the rest of your life, including excruciatingly detailed data on just about any financial event you can think of, ranging from getting a $100 rebate on your recently purchased computer to receiving a large inheritance."

Financial Planning Software - "Best of Breed"

Accounting Today magazine, in a 2004 article, included the J&L retirement and financial planning software as "best of breed."

"J&L's retirement and financial planning software is a cost-effective program for developing strategies for retirement, education, home ownership and other goals; showing how those strategies are affected by life financial events such as inflation, taxes, mortgages and loans; and creating viable options in the plan through calculators for mortgages, refinance analysis, accelerated mortgage payments, inflation, trade-off analysis, required minimum distributions and credit card payoffs.", "Modules, specialty tools define 2004 PFP software", by Dave McClure. Accounting Today Vol. 18 No. 5 March 15-April 4, 2004 Full text of the above review.

"Imagine"

In 2003 Accounting Today had this to say about the J&L's financial planning software.

"Imagine a $59.95 retirement and financial planning software program that also has calculators for mortgages, refinance analysis, accelerated mortgage payments, inflation, trade-off analysis, required minimum distributions and credit card payoffs -- then add Monte Carlo simulation, ability to import or export tab- or comma-delimited files, and a 64-page PDF instruction manual.", "Basic analysis tools cover the gamut of PFP practices", by Steven Levey. Accounting Today Vol. 17 No. 5 March 17-April 6, 2003 Full text of the above review.

"Ultimate Financial Planner"

In 2001 when Tucows reviewed J&L's financial planning software and awarded the planner its top rating the reviewer stated:

"The J&L Financial Planner is the ultimate financial planner. It is easy-to-use and generates concise results. And it is loaded with features to cover the various financial events in your life." The review goes on to state "This user-friendly program makes it easy for anyone to do their financial planning. You can prepare for financial events before they happen. It is a good way to organize and manage your finances."

"Get your financial affairs in order"

In 2001, when ZDNet awarded the J&L Financial planner its coveted Editor's Pick 5-stars, a ZDNet on-line article chose the J&L Financial Planner as one of the 3 programs you should use to get your financial affairs in order. ZDnet Anchor Desk Review

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