Did you know that less than 5% of Americans have a written financial plan, but those with a plan are 250% more likely to achieve their financial goals? Because money managers and planners are so expensive, most of us don’t get the customized advice we need to help us make the best financial decisions and rest assured we’ve got a solid plan for the future. And let’s be honest—a magazine article doesn’t quite do the job, since finances aren’t one-size-fits-all. There are so many questions to consider depending on your particular situation—how much do I need to put in savings? Do I really need life insurance? What about college? The list goes on and on.

I’ve just discovered Simplifi.net, which offers totally free professional financial planning tools and advice.  The site works with your personal information to give you a customized action to live within your means and achieve your financial goals. Just input your information (it’s secure because it doesn’t ask for your account numbers), such as your age, income, debts, problem spots and goals, and the program offers certified expert advice debt management, long-term savings, insurance, investments and more. Your resulting action plan has clear steps and attainable goals that will move you closer to financial success. And if you have questions or changes in your situation, the virtual financial advisor on the site can help you. You’ll even get emails to make sure you’re keeping on track with your goals.  

So no more excuses… it’s time for all of us to take advantage and start feeling good about our future!

Posted by Gillian Aldrich, Features Editor