Take charge of your Income and Budget today !!!

1. Take charge of your Income and Budget today !!!

2. Sophisticated tools designed to minimize the amount of time required to manage your money. Uses industry standard Excel, allowing you to add your own worksheets to our product

3. Income management • From paychecks • From 1099 income • From investment income

4. When finished click … Plug in the information from your paystub Tracking Income

5. Calculates/tracks annual totals Even taking into account your raise Editable, as your income can change from paycheck to paycheck. pFin can track up to 3 incomes Tracking Income …And yearly income is generated!!!

6. Tax planning • Are you paying enough/too much? • What is the tax benefit if you increase your 401k? Buy a second home? • Determine your tax liability against what you have paid in income tax withholding with the push of a button

7. Income gets automatically carried over to the tax estimator …as do your declared exemptions Enter your projected deductions, the …select your filing status Tax Estimator

8. Click to calculate your tax liability Tax Estimator

9. …And will report if you have overpaid or underpaid. The tax estimator will calculate the tax you owe, subtract it from the tax you have (or will have) paid Tax Estimator

10. In this one we are examining what our tax savings would be if we increase our 401k by $1000 a year. We re-click the “Calc Tax” button and see that we would gain an additional $250 tax savings by investing another $1000. So, the investment is only going to really cost us $750. Amazing! Tax Estimator pFin allows you to create up to 4 “what if scenarios”.

11. Budgeting • Setup up to budget for up to 5 scenarios (example: pre-raise, post-raise, retirement, etc…) • Once you have created your first monthly budget, you generate all the others literally with the click of a button.

12. The Budget Planner carries forward your income, also allowing you to choose pre or post raise pay! Budget

13. The Budget Planner allows you to create up to 5 scenarios. Enter expense amount. Enter date expense is due (if applicable). Enter your expenses by budget category. Budget Once you have created your budget templates head off to the Monthly Budgets…

14. To setup your initial budget choose from the following list. Click Budget

15. pFin is flexible, allowing you to allocate your monthly budget over up to 4 periods Allocate your expenses. Budget

16. Budget

17. Budget You can even add (or subtract) income to the monthly budget.

18. Verify or choose desired scenario. Select month. Click Budget Once you have created at least one monthly budget, you can easily template other monthly budgets from it. To do so…

19. Retirement planning • Helps prepare you for what you will need for retirement • Calculates present value of your retirement needs and social security benefit taking inflation into account.

20. You can also adjust the anticipated rate of return on your retirement contributions for 5 scenarios. Just plug in your current age, the current value of your retirement accounts, and an estimate of your annual retirement contributions. You can also adjust the retirement ages for up to two retirement scenarios. Add your social security benefit and/or anticipated pernsion income. You can also look at your income in dollars that are adjusted for inflation. Retirement Planning Estimate and plan for retirement. The retirement planner is a cool project tool that allows you to…