Posts tagged with: fundedness
  • Sample-RPS

A Sample Plan – The Household Retirement Policy Statement

I have been posting recently about goals-based planning. It may be hard to visualize what is unique about this kind of planning. So here is a sample plan from R-MAP Planner, the tool I developed for goals-based planning, so you […]

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  • R-MAP-v3.4-QuickStartGuide

Quick Start Goals-Based Planning Guide

Goals-based planning can seem complex, particularly when you have to make it up as you go along because you lack tools designed to make planning more efficient. I developed R-MAP Planner because I couldn’t find tools that helped efficiently plan […]

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  • 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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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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