Welcome to R-MAP Planner
  • 2014-07-03_15-57-27

Schematic for Goals-Based Planning

This diagram shows the relationships between the key components of a goals-based household financial plan. It shows how the plan builds upon the simple basic information of income and expenses to create a full multi-period lifecycle plan based on the […]

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  • R-MAP-FlowChartv3
  • 2014-06-24_22-52-27

The Goals-Based Planning Workflow

Talking about how the household balance sheet should be at the center of the financial plan, and not the investment portfolio can be a bit abstract. So here’s a flow chart of the goals-based planning workflow (PDF link)  showing the balance […]

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  • 2014-06-16_23-15-54

New in R-MAP™—Savings Builder!

Planners need tools. Good tools make good work possible. You know what happens when your only tool is a hammer. You might have the deepest insights into the logic of the household balance sheet and the various ways to manage […]

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Goals-Based Planning: Value Averaging and Upside Investing

Good planning is an antidote to fear. If you are approaching retirement, an overarching fear is not having enough money to live comfortably without a paycheck, possibly for a (very) long time. Last time we talked about goals-based planning and […]

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Life is Complicated, But the Plan Should be Simple. Planning, Not So Much.

A printing industry pundit I knew once joked that the Photon typesetter, the first photo-mechanical typesetter to replace hot metal, was the only machine ever invented with all moving parts. In building R-MAP Planner as a tool for comprehensive lifecycle […]

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  • 2014-05-07_11-21-54
  • 2014-05-08_22-49-06
  • 2014-05-08_22-51-38

Fundedness: Should You Use an Investment-Based or a Goals-Based Plan?

Sometimes we talk too much about theory and lose touch with the everyday reality of what lifecycle financial planning is about. It’s a fair question for someone to ask, “What is a financial plan, and why do I need one? […]

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  • 2014-04-25_10-15-09

Fundedness and Robo-Advisors: Are you a Robo-Advisor?

The rise of web-based robo-advisors has many in the industry speculating about what’s missing from robo services. The usual answer, of course, is the humans, ie, sapient advisors and planners. Maybe. After all, robo-advice, though highly systematized, comes from humans, […]

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  • 2014-04-14_10-33-20
  • 2014-04-14_10-39-17
  • 2014-04-14_10-40-43

Introducing R-MAP Planner and Its Household Balance Sheet Framework

In these posts I will explain what R-MAP Planner™ is and how to use it. As a consequence, I will also discuss lifecycle financial planning, and the Retirement Income Industry Association’s RMA℠ method for retirement management. R-MAP™ is planning tool, […]

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