Personal Edition | Professional Edition

FEEDBACK FROM CONSUMERS:

"Love the program. I recommend it to friends frequently."
Frank Bastien, April12, 2008

"The Retirement Planner product is so simple to use and easy to understand. I have had two financieal advisors tell me that products like yours exclude this or exclude that. Your product really does not exclude these things, and it works in a manner that is simple to understand, simple to use, and give me results that continue to hold up to the things the experts say I can not get in software. This product is so worth the small investment. You could give a money back guarantee over any amount of time and you would not lose clients. I have tried them all - your Retirement Product works and you have a client for life!"
Ken Branham, Feb. 26, 2008

"I have used this software for many years and I really love it. It has been a great planning tool for me."
Jeff Paulson, Feb. 11, 2008

"Great program and I'm looking forward to using it for many years. Thanks for your assistance..."
Leon Krok, Dec. 28, 2007

"Nice program, I'm enjoying what it can do. It's waking me up to the realities of being 51! At the end of the day I consider it money well spent."
Tim Fitzgerald, Dec. 28, 2007

"It's a terrific tool, with two key strengths being (1) the clarity of the graphs and output; and, (2) the ability to plan top-down, bottom-up, or in-between. Very flexible. I did a bit of research on other software and your program is the best value by far."
Ken Anderson, July 13, 2007

"I was thrilled to discover this software when I "googled"retirement planning. It provided me with the same type of retirement analysis report that financial planners charge substantial amounts of money for. More importantly I can update it, amend it at any time with no extra fees. This software is extremely beneficial. -It forces you to organize your finanances getting a handle on your net worth, your allocation of investments, and the tax structures of each investments -Then it allows you to see a clear picture of your retirement future-taking into account yearly retirement income needed, estimated annual return on investments, inflation etc. It does a very detailed analysis. Once all information is inputed it allows you to see how close you are to your fretirement goals. The graphs here are very easy to read and interpret. Most importantly it allows you to tweak your strategy to better meet your retirment goals-either by saving more annually to retirement, achieving a better rate of return on your investments, delaying retirement by a few years. You can save the information and keep updating it as your financial situation changes. I love this software and am thrilled that I found it."
Geryl Kramer, June 20, 2007

"I got the key and every thing is working fine. I've looked at a lot of different options/retirement planners and in my opinion, your product leaves all the others in the dust. It not only has all the features I could need, but has one of the best designed user interfaces I have experienced. I have at least 15 years experience with the design of User Interfaces, so that is not a meaningless opinion. Nice job."
Chet Fryjoff, May 25, 2007

"I have to say that using your program has been an eye opener. Most folks are probably like me, they dont want some financial adviser, who costs money, telling them what to do with one's money. As hard as it is, you have to get into the fight and figure out what is going on. With a lot of us relying on a 401k the risk is mind boggling, especially if you step into the game late in life. Thanks for the reply."
Joe Lyle, April 30, 2007

"I really enjoy this product. I have used it for the last four years.I have been running different scenarios using your software trying to figure out when I can finally retire. The software has been a great tool for me."
William A. Dodd, April 20, 2007

"I regularly use it and it is still the best I have found."

Max Cortner, March 18, 2007

"I am not a financial advisor so that is why I only purchased the personal version. I love the product - I am taking early retirement this year and Retirement Savings Planner gave me the information I needed to help make that decision."
Xavier Kleinhelter, March 3, 2007

"I just purched the couples edition. I think that it is fantastic. I am 62 and I'm sure you'll be getting several orders from all my friends who I tell how great it is. ... A few months ago I spent over $3000 with a financial planner whose program wasn't 1/2 as good as yours."
Joe Kelliher, February 20, 2007

"I like the program a lot. It's a great "what if" tool and guide to the personal financial big picture."
Allan Heilman, February 20, 2007

"Hello, first of all my wife and I must tell you that we love your product. With your product,we have a means to see that were are on our way to financial freedom by watching our investments and savings and forecasting just what we should be doing at our specific age. We have been an ambassador for this product because of its ease of use and now for your service."
- Craig and Dawn Romero

-----Original Message-----
From: Tod Sehnert [mailto:(email address deleted)]
Sent: Thursday, November 09, 2006 7:17 PM
To: Torrid Technologies
Subject: Re: Getting the latest RSP update

Yes, could you please send me the direct link to the update.
Can't Imagine how you can make your software much better, but
I will look forward to the update. Thanks, Tod
-------------------------------------

Great program, it has helped me a lot in my financial planning.
- Bronko Kovacevic

"Back in 2000 (before I retired) I tried several pieces of software and used a couple of different financial planners. I then thought you had the best package and enjoyed playing with the assumptions. I know that in my retirement it will again help my wife and me with a better understanding of how important it is to budget and plan our expenses.
Back then (CY2000) we were trying to decide if I should take a lump sum or annuity for retirement. You would never guess, but the financial planners were pushing the lump sum. Your program helped us make the decision to take the annuity and it was the right choice. Yesterday [using the 2006 edition], I was able to "fine tune" our projected expenditure pattern and feel comfortable that we have been spending on target to live to 99. We then will have to sell some property to keep going past 100."
Thanks,
Bill Price

"Tim, I don't like to flatter or be patronizing, however you, personally, and the firm are the most client friendly business that I have ever dealt with. Whether it was in the manual or in phone conversations, the descriptions of strengths and weaknesses of your product has been direct and candid avoiding the self-serving approach that must of us show. On the other hand, it's a lot easier to be honest when you have a strong product. Either way, it is a pleasure to deal with you. Thanks for you quick response."
Regards,
Lewis Nassau

"Using the product and really enjoying it. Thanks again for all your help. You have a depth of knowledge about the product and your answers to my e-mail questions were a big reason for me purchasing it."
George Wendt

"It's a very simple program but it really gets the job done. You've got everything I need in there to cover my situation. I think it's a great program and I have recommended it to my family."
Bill Sturm

"The program has already been a big help. I had an analysis done by a financial planner, and I have been able to closely match his numbers with your Retirement Planner. Now I can run infinite "what if's", and it won't cost me $100 each time. It has already paid for itself."
Thanks again,
Steve Mitchell

"I have used Retirement Savings Planner for several years. It has been an excellent tool and a simple what-if way to keep the family up-to-date on general finances, investment results, long range planning, the time value of money, and what can happen when annual spending is not effectively controlled."
James Yelverton

"I feel that anyone who is approaching retirement age can benefit from this software. With this program you can plug-in your actual nestegg numbers and answer questions concerning your retirement years. One feature I like is the ability to easily change the numbers to see what best works for your situation."
Ralph Davis

"The Retirement Savings Planner is the most robust, user-friendly financial planning program I have ever used. With my retirement looming, I searched the internet, looking for a program which could instantly tell me whether I was on a solvent financial pathway, both now and more importantly a few years from now, when my income stream will change. The colorful graphics and moveable timeline cursor are visually captivating. And the instantly updated income and expense windows make this program FUN to use. More importantly, this is the only program I have found that can factor in the financial effect of each anticipated "cash infusion" and "special expense" as it occurs, both before and during the entire lifetime of my retirement. I can change financial scenarios and see instantaneous, accurate predictions; and I can keep track of the bottom line...do I have enough to continue the lifestyle I have chosen. It is helping me determine the advisability of purchasing a home in Florida. It is allowing me to better predict the timing of my retirement by providing a real "comfort level" about the funding of my retirement. This is an intuitive, cost-effective, visually stunning and extremely professional retirement planning program. I can confidently recommend it to anyone who has a sincere interest in their financial future."
Sincerely,
David Hoffman M.D.

"I just wanted to express my gratitiude for your real time help. It was very cool. The product itself is wonderful. Both products - RSP and your remote support solution. I just did an analysis based on pretty complex post retirement home buying, and it really works to aid in decision making. I was looking at selling my house and buying another in another state and securing a 15 year interest only loan. RSP did a great job in evaluating several options for me in a matter of about one hour."
Robert Keller

"I recently retired early. My background is in finance and I have used a number of costly financial planning programs. None of which get to the heart of what is required for retirement planning, which is simplicity. If the program is too complicated to use it has no value. But your Retirement Planner program is the easiest planner I have ever used. It allows me to make intelligent choices for my family's future. It takes just a few minutes to put in the essential data and you have immediate access to your financial future. The graphs and spreadsheets are easy to understand and the inputs can be changed over and over to consider any possible scenario, including different investment returns, social security, cash infusions, and many more.
I recommend this to all my friends who are considering retirement and to all those who want to seriously plan for their future. This is the kind of financial information most of us need for planning our retirements and financial planners would be well served to consider using your Retirement Planner when meeting with clients. You have created a wonderful financial tool that is both simple to use and affordable for all. This is the best investment I have made to date."
Douglas Cleveland

"Thanks for your help. This is one of the easiest to use programs I've ever used. The team is to be commended for an excellent product."
Larry Konty

"Your program is very easy to use and the results easy to interpret while allowing me to take into account the variables that may occur between now and the end of my life. The reasonable price made it a worthwhile purchase even though I had access to free programs (like the retirement planner that comes with Quicken® -- which was complex and was not transparent in how the inputs affected the outputs). The icing on the cake is the responsive tech support."
Steven Chiang, University of Hawaii

"As a recent retiree, I cannot envision planning our future without regular access to your planner. Thanks for your help."
Dave Willett

"In the four years I have used Retirement Planner, I have had the occasion to recommend it to many of my friends.
a) when discussing retirement finances - RP as a predictor
b) when discussing advisors and fees - RP + index funds as a low cost alternative
c) when discussing investment allocations - RP scenarios help find lowest risk path to goal
In all three cases, I mention RP as an easy-to-use tool, even for computer novices. If we happen to be near a computer, I always download the demo for them to play with.
I can tell you really care about your product. I'm sure I echo the appreciation of all of your users when I thank you for this powerful little tool. "
Rick Trow

"Thanks! I have enjoyed and used your product for a long, long time."
Pete Wallner

"I've tried four other retirement planning programs, including one from a major broker, and this is the easiest to use, gives the most accurate results, and has the best graphs and charts. I'm very pleased and I highly recommend it."
Richard Johns

"Excellent timeliness on your response. Thank you for the reply and service."
James Callicott

"When I decided I need to get some software to start planning for retirement, I tried several programs including FPlan Financial Advisor Series, J&L Software Retirement and Financial Planner and ISG Personal. Torrid's Retirement Savings Planner was the only one that a guy like me who runs a furniture business can understand. I have a nervous wife and there's something about sitting with my wife and having her give input into the system. When the software changes instantly and also prints out our plan, then she no longer thinks I'm just making it up. It helps her to climb into the boat with me and get "on board" with the plan. It's rare that most couples see eye-to-eye on finances. Using the RSP software, we can ease into our plan together, and when she looks at the software it helps her to relax. I have already recommended it to others and will do so again when the opportunity arises. "
Steve Claypool

"WOW! I have your Personal edition program running. Looks like a Model T is now a Cadillac. Thanks for your hard work."
Jerry Stegenga

"I love the program. It's a neat little thing. It's save me a lot of time and it's easy to use."
Terry Crouse

"I downloaded and tried a lot of other programs on the Internet, but they
were confusing and cumbersome. I was turned off before I had barely
started. The visual nature of [Retirement Savings Planner] draws you in because it is a lot easier to understand. It's not complicated and cumbersome like the other software programs I tried."
Geoffrey Smith

"I am rapidly approaching the age where I am seriously comtemplating retirement. I have tried many programs but this is fantastic. With other programs I have to "trick" them somehow or another to input my parameters. This program allows great flexibility. I am no financial guru but this retirement program allows me to really see how my retirement savings will both grow and be spent. And to boot I have had the best support...two times I had problems (not due to program problems...operator error) and the support provided was immediate. I even got a phone call on a Saturday....can't beat that for service."
Lee Pinder

"It is a simple and easy to understand program."
Gray Morrison

"First of all I much appreciate the quick and prompt customer service .. yours is the best I've encountered so far in terms of Internet vendors."
Mike Goss

"I have already referred several people to your software. I think it's great. I use it often to plot out different scenarios to get me to my retirement goals."
Jeanne Hinkle

"Quicken® was more trouble than it was worth, and I got the new version for free as a gift. Torrid's [Retirement Savings Planner software] serves my planning purposes perfectly; it provides an ease of use with meaningful results that allows for a virtually endless series of "what ifs". AND, my wife can understand the results!
Thanks,
Marty Steckel, Esq.

"The response time of Torrid-Tech Support is really great. And, the program also appears to be a winner."
- Jerry Schiowitz

"I would like for you to convey for me to everyone that works on the personal Retirement Savings Planner product that I think it is a fantastic product. I have been a user since February 2003. The different scenarios that I can run by varying rate of returns, interest rates, inflation, etc. have provided me with far more useful information than the time that I have spent with financial planners. As I think of different scenarios I can use RSP to model the effects, and see the results both graphically and with the detailed spreadsheet . The addition of the various cash infusions function with the built in flexibility is a fantastic addition."
- Gerald White

"I love this software and the "other income" enhancement."
[he was referring to the cash infusions function added in 2004]
- Robert Morris

"Your handling of this problem was excellent! Keep up the good work. The program is also excellent."
- Lou Wingate

"I have run into many people lately who have all told me how difficult Quicken® is to use. I then tell them about your tool if they seem interested."
- Steve Ehlscheid, Personal Edition user

"...one of the best retirement programs I've ever seen." - Paul Sweeney

"Thanks again for your help when I needed it. We're seeing our investment counselor in a few days and the results shown in your Retirement Planner will be extremely useful to us as we plan for our retirement within the next year or so. You can quote me, if you like." -Ed Gleaves

"Congratulations on a truly useful and well done piece of software." - Allen Bond

"I can't tell you how much this software has meant to our retirement planning." - Patrick Herendeen

"Great software, best on the market. Thanks." - Rico Orsot

"Thanks for a great piece of software everyone can use." - Truman Trekell

FEEDBACK FROM FINANCIAL PROFESSIONALS: Insurance Agents, Financial Advisers, CPAs, Benefits Consultants, Brokers, Wealth Managers

"This is incredible software - thinking about buying it for some larger clients so they can have copy of my work - include it in the fee charged. Awesome stuff - used on two, million plus asset cases recently. Appreciate the help."
- Steve Eisele, CFP(r),CLU, February 6, 2008

"I think it's an awesome program. If I can do it than anyone can do it."
- Richard Curnow, January 8, 2008

"Hey all, just finished up an appointment where all the client wanted to know was if he could retire. Will his assets last a lifetime. As you all know this can be difficult to determine unless they just have a ton of money. I entered his financial information into the torrid retirement planning software and in less that 5 minutes we had a picture of his retirement income and how long it would last. This software is so simple to use, even I can use it and I can't tell you how many times this program has helped me close really big business and with very little effort. It really is a good program and you all know I don't endorse things very often, but I would encourage all of you to go the website and check it out. It really is a great tool and worth every penny we pay for it. I will be going over this program in the upcoming Mastery Program for those of you that are coming. Anyway, I guess that's all for now."
Craig Randall, NPC and Randall Marketing Group

"I love the program and so do our clients. I use it on a big screen in our conferance room and play the "what if" game until we have an agreement as to how we are going to go forward. It almost always results in more and increased contributions".
Tom Holmes, Woodland Park, Colorado

"I bought it! I am happy!
I have used the program with several clients and by showing them the reality of what can happen to them in retirement, confidence has been built and I have already closed cases. Believe it or not one for $700,000 after one session with the software demo and then the second filling out the paperwork. Thanks."
Jay Jones

"I do love the new look of the software. Great job with that."
Michael Pultro, RFC, CSA

"Already upgraded and the new product looks great. Good job!
I just finished up with a client and I did his retirement calculations in about 15 minutes and he said he has never seen anything as simple to look at but with such dramatic results as when the red area appears showing when client runs out of funds. Very easy to use but with dramatic results."
Dan Engelhardt

"By the way I love the new look! Really enjoy the program.
It is amazing to be able to get timely correct answers from any software company today, but Torrid Tech has always been right there."
Thanks
Dean St. Marie, CFP

"I love the program and it works great with clients. I'll go further to say that I've been in business for 14 years. I've looked for a long time for a QUICK, EASY, and "USER-FRIENDLY" program which clients can understand. Very few of my clients want huge financial plans with 100 pages of "boiler plate" which often answers questions that the clients don't even have!! What most of them want now is a simple program to answer the questions of "What do I really have in retirement?" and "Do I have enough?". I use [Retirement Savings Planner] righjt in front of the client, orient him/her to the visuals, and go through the "What Ifs" such as higher inflation, lower returns, retiring later, etc. Clients LOVE it!... and it gives instant credibility to the broker. Thanks for a GREAT program!!"
Allen C. (Al) McLellan
LUTCF, CLTC, CLU, ChFC, CSA, CASL®, CRFAT, CFP®

"The Retirement Savings Planner from Torrid Technologies has been the most exciting innovation we’ve come across in a long time. It has generated a lot of excitement and energy since we discovered it (thanks to you!) in May or June of this year. We just completed a very strong September of issued business and a good portion of that business was generated using the Retirement Savings Planner software.

We have developed and are using a flyer as a mailer and prospecting too. We are in the process of developing a seminar and complete marketing program based on the software. We now introduce the software to every new agent as their first useful prospecting tool.

The success stories we have been hearing range from much easier life insurance and long term care insurance sales to all types of retirement planning sales. I am thrilled that you will be able to be a presenter at NEC so that the entire field force of OneAmerica, including the Home Office and field force of the Retirement Services division, will have a chance to see the software up close and grasp its power."

- David D. Braun, ChFC, CLU, CSA, LUTCF
Associate General Agent
American Financial of California

"I like the Retirement Savings Planner software very much and use it frequently. Recently I sat down with a woman in a rush situation - I really only had a few minutes to spend with her. In 5 minutes we quickly inputted her information and showed a shortage and inadequate retirement funds, and I closed a Roth IRA right on the spot."
- Martin O. McCann IV, LUTCF, CSA
Financial Advisor, OneAmerica Career Agent

In the LTCi situation, this system will help me graph out how much LTCi benefit a person might need in the future. You might buy a $190 a day benefit but will that cover them 30 years from now? Most people that I talk to think that if my investments do real well I'll use that. The RSP software will show them how well their investments will really have to do."
-William L. Pfadt, CLU, ChFC, Semler Financial

"I met with a couple in their 30’s who planned to keep the wife’s $100,000 life insurance as it was with no additional coverage. They came in because they thought it would be best to increase the husband’s coverage from $200,000 to $400,000. After putting their numbers into the Retirement Savings Planner and using the Life Insurance Needs tool, they decided that indeed they were underinsured. We wrote an additional $400,000 on the wife and $1.5 million on the husband. There is no doubt in my mind that I would have never been able to do that without the Retirement Savings Planner.

Clients like being part of the planning. Looking at different options is quite fast and easy for the client to understand. A couple that was 4 years from retirement was especially excited to throw different “what-ifs” at me to input and to see the results. It was very easy to understand yet vivid; it definitely got their attention."
- Another Career Agent

I have been very impressed with how the objection of LTCi premium being too expensive never comes up when I show what happens to retirement funds when a long term care event is illustrated. I show the diffence between cost of the event and the premium for LTCi. If the wife is present, I get the go ahead to present a LTCi quote.
- Lance Nystrem, CSA, Broker

Click to View Screens Showing LTCi SALE SUMMARY >>

"This is a marvelous program, in fact it has changed how I do business. A primary reason why I use this in every client presentation is that it forces clients to "come clean" with all their investable assets. Sometimes there is some subterfuge in that prospective clients don't always come clean with all their assets. However, when they see the projections that I am illustrating fall short of their expectations suddenly they remember other existing assets or potential assets. For example: "Gee, my Mom is age 86 and in a nursing home, she probably won't make it another year. She has an $800,000 estate." This tool has given me the opportunity to "discover" a potential investment source that needs to be included into the retirement plan. It serves as truth serum, "I'm not really this poor ... let me tell you the real story." This program is great because it is simple enough to use quickly, complex enough to tell a story, and compelling enough to flush out additional cash. It has changed my whole business.
Bill Sheehy, CFP, CFS, CRPS, AAMS, CLU, CEBS

"I used to spend 40 hours or more using other software to do retirement planning. They were all unnecessarily complex and the extra time added nothing to the process. With your software its quick and easy. Most important the program is completely intuitive. This program is too good to be left in a box. Everyone who tries it will want to buy and use it. It reminds me of the early version of Quickbooks!"
Patricia Mull, CPA, PFS

"I recently purchased the Pro edition, and I am very pleased with how user friendly it is. I send out an email requesting the client information, and once I get it back I can load the data in 10-15 minutes. This software is easy to explain to clients with the visual charts, and it is so quick to do "what if scenarios". I recently showed it to a Schwab Private Client Financial Consultant, and he said he wished he had something like it. Torrid has delivered on everything that is has promised."
Jock Meeks

"Thanks for your help in my getting the 2006 upgrade installed and running. Everything went fine, just as you outlined. By the way, I'm a Florida CPA and have been doing financial planning both at the Corporate and individual levels for a number of years. Your software is top notch. I have told a number of my partners and colleagues about it, especially those individuals who are within 3-5 years of retirement. You'll probably see a bunch of Naples, FL folks signing on in the very near future. Thanks again for your help."
Gary Danca, CPA

"I used to use Naviplan. It took all afternoon to enter the data and then it would print out a 160 page report. When we would meet with our client we would lose the sale after a few pages through the report because the clients were lost. So we then would put post-it notes on the color graphs to try to steer them just to the graphs... Problem was our client file would weigh 8 pounds because we would run the Naviplan once a year and put a copy in their file. We decided to try the Retirement Planner software because it takes a lot less time and is very colorful and easy to understand."
Randall Schumacher, Financial Advisor

"I am a Registered Stockbroker and a licensed Insurance Agent. I hold a CMFC and a CSA. My clients are generally 55 of age and above. I spent several years as a financial planner and I use the Professional Planning software in my initial discussions with my prospects so we can make informed decisions about Life Insurance needs, LTC coverage, and coupled with my asset allocation software the kinds of investments the prospect should have. I recently completed a plan for a couple that gives them an excellent idea of when they can retire and maximizes their investment cashflow. This is a great software-- simple to use and easily understandable by the clients/prospects."
Arnold Kern

"When I used other financial planning programs - My clients would see those full featured colorful reports of 200+ pages and suddenly go into a trance. I felt I was becoming the world's greatest Hypnotist!
Finally, a financial planning program that "gets it". Quick, easy and powerfully interactive for the client. The important thing is the client will understand immediately what needs to be done to make their dreams come true. The result will be a happier client and planner."
Peter O'Neill

[NOTE: Here at Torrid we give 200+ page planning reports their own classification that we call "Planning by the Pound" and we avoid it like the plague that it is. Please save the trees and use our software instead. Thank you.]

"Just wanted to let you know that I am having great success with the Retirement Planner software. My clients have been very impressed with it and it is wonderful how I can quickly show them multiple scenarios "on the fly". After seeing for themselves that their retirement will be successful they have such a sense of relief and great appreciation for my help. It has been essential in positioning me as an advisor/consultant instead of a salesman and it has made the transition to closing easy and seamless. Not to mention how easy and fast it is to input data."
Ron Braun, CFPR

"I am very pleased with the software and have used it several times with clients. It is very helpful in helping them to see the challenges that they face. Thanks again."
James Bergman, Morgan Keegan Financial Advisor

"I immersed myself all day Saturday learning this software.
IT IS WAY COOL!! So is your support. Thanks."
Jim Heinrichs, Financial Advisor

"The Retirement Planner program is very intuitive, and it is graphically very rich. So my clients can see very quickly where they stand as far as their retirement assets are concerned... they can see if they have enough money to retire on, and if not, what they have to do to reach their goal!

For 80% of my clients, the 8-9 page Retirement Planner Report is all they need to get started, they don't need a 120 page report... and for the few that do need more detail I will arrange for that.

The Computer laptop presentation that we make for clients just 'wows' them, and then we do 'what ifs' for different scenarios and the graphs change before their eyes, so they can see what happens with different situations..."
Rusty Scheewe, Financial Advisor

"I just took the time to explore the Torrid [RSP] software website and WOW! This IS exciting software because it is easy, fast and exciting to use with clients ! Instead of fact finders completed, and then leave client and go back to the office to spend time inputting everything, looks like I can do it all right when the prospect/client is at my office (or their home) for the first time. They can see it on screen, and I can print it out on my color inkjet printers (have a portable Canon color printer for my laptop when in the field). Thank you so much for turning us on to this sales resource. Take care."
Bill Robinson
Palm Canyon Insurance Agency
Palm Springs, CA

"I have been using the professional version of the retirement planner for more than 4 years. They have consistently listened to their users and continually improved the product. I have found their service to be excellent. I can actually speak to them about software issues and recommendations. I use the program with clients to show them their aggregate returns as well as yearly future projections of income and assets. The graphics are superb. This program enhances a professional's image, when the results are viewed with the client. It gives a client the big picture and helps close sales. I highly recommend it."
Mark Rosen, CLU, ChFC

"My clients love the graphic elements - easy to understand - no smoke and mirrors! I let them input their own numbers in an interview so they feel like they own the process. Works VERY well. I believe it is the very best visual retirement planning tool on the market. I will highly endorse your product with my peers."
David B. Cole, CLU, ChFC, CIC, CLTC, CRPC - Lifetime Benefit Concepts

"I have been looking for an easy-to-use financial planning/retirement planning tool for well over 6 months and couldn't find anything that would do what I needed. I tried other software but it just didn't do what I needed. Once I tried the Retirement Planner demo, I could easily tell that this was the perfect software for me. I am delighted that the price is so reasonable and the people are incredibly helpful."
Deborah Owen, CPA

"I love the Retirement Savings Planner software. It is so colorful and consumer friendly. I've looked at MoneyTree, Profiles and other tools and the Retirement Savings Planner is the best software for me. It is a fantastic door opener no matter what you are selling. It's very user friendly for the sales person and the consumer. People today want something that's quick, catches their interest and gets them to do something right away... Torrid's Retirement Savings Planner is a great tool for me to do that with clients."
Robb Soria, CLU,ChFC,CSA,CRPC,AAMS,CSFP,CEA

About the Professional Edition: "Torrid's Retirement Planner is an excellent tool for advisors at any level. It provides support for experienced advisors who desire illustrations to drive home a specific point. And it can also provide the actual structure for a plan where the less experienced advisor desires a 'skeleton plan' to flesh out. Torrid's Retirement Planner is one of the best independent software values available to financial professionals."
Wallace Smith, Independent Financial Advisor, Senior Finance and Health

"As for the use of your [Retirement Savings Planner] program, I do like it. It is simple to use and shows results well. I usually use it for clients who want a detailed plan listing of their assets, as well as to show them growth at different ages."
- Mark Rosen CLU, ChFC, Professional Edition user

"A picture is worth a thousand words. With the new Cash Infusion and Special Expense options, I was able to clearly show a client that his otherwise perfect retirement plan will be destroyed by an uninsured 3-Year Long-term care claim. I used $60,000 as the current annual cost, and inflated it at 8% which I believe is the current LTC inflation rate. I also was able to clearly demonstrate that a $6,000 annual LTC premium would have no impact on the client's lifestyle. He got the picture."
Bob Coady, Sr.
WealthMark Financial & Insurance Services, Inc.
Santa Ana, CA

"The software is great! I used the retirement planning software on my first client and between the 72(t) analysis and the ability to give a client a disk with their individual plan I will be rolling over and managing $940,000. Thanks for all of your help. I also have used the WebCalcs® asset allocation model which helped the client understand the reason behind the different investments that I have recommended. Thanks again."
- Kelley Eccles, Financial Advisor, Leech Bridges, Inc.

Follow-up Feedback 3 Days later:
"I received confirmation yesterday that I am getting another account valued at $70,000. That means I'm 3 for 3 landing new accounts using the planning software!"
- Kelley Eccles, Financial Advisor, Leech Bridges, Inc.

"Thanks for your follow-up. I have just begun doing a few cases so I need another few days to work through all aspects of the app. So far I LOVE the simplicity - easy graphics communicate the big picture which is exactly what I wanted. ... Thanks very much. "
- David B. Cole, Lifetime Benefit Concepts

"I like this software because it is so simple to use and in just 5 minutes I can let someone know how much money they will have at retirement. It's great!" - Debbie Scalise

"The planner is very robust, much more so than the standard planning calculators that are on every retirement firm and financial planning website in the world. The idea that a small company -- or a large company for that matter -- would have this capability to do group employee retirement planning training is feasible with the Retirement Savings Planner.
I used it as an integral part of an around-the-country retirement planning tour I did last fall and got [1] rave reviews and [2] the best improvement in 401(k) participation we've ever had. From the selfish company perspective, that participation allows for your HCEs to maximize their deferral opportunity. From a more altruistic perspective, employers owe their employees this type of training and education so that they can make good quality decision about their financial and retirement planning."
Dennis Buster
Vice President, Human Resources
Everett Charles Technologies

Financial Advisor Practice Testimonial:
"My boss is a stock broker and his interest in retirement planning software is to -- (1). assist in calculating what type of savings are needed to meet a client’s retirement needs and (2). to answer client’s questions as to when they can retire based upon the assets they have...

We have comprehensive retirement planning software from another company that is so complex we can’t understand it, and have stopped using it because we cannot figure out if we are using it correctly. When I started searching around for something else, I was especially impressed with the straightforwardness of your program. When I played with the download I could easily see how the information I was inputting affected the output, and had confidence in the program. Something I do not have with the more complicated program I have."

HR Benefits Testimonial:
"The Retirement Planner from Torrid Technologies Inc. provides an excellent tool for working with our retirement plan participants in helping them to understand what they need to save for their retirement. The feature I like most is its simplicity. All the key variables are on one screen along with the graphic of the accumulation period and the distribution period so the user can see how changes in the variables affect the graph. They quickly gain an understanding as to the primary factors involved in the financial planning for retirement process and realize how changes in their individual situation might affect their retirement accumulation.

There are many other financial planning software offerings on the market, but most of them are so powerful and sophisticated that the typical user won’t take the time and make the effort to learn how to use them and maintain the data base that many of them require. The Retirement Planner from Torrid Technologies addresses the major factors in an easy to understand and easy to use format. We encourage all of our user clients to utilize this product." - John Bogard, Bissonett & Associates (now part of Stanton Group), employee benefits consultants

Another Financial Advisor Practice Testimonial:
Why do you like the Retirement Savings Planner (RSP) software?

"RSP is a great down and dirty way to get a quick look at a person's retirement savings picture when you have only 10 or 15 minutes to spend with them. It's a simple tool that people need. I can quickly get a snapshot "thumbs view" of the persons' retirement picture. "

How do you use the software in your practice?

"As an example, say someone came in and had a small IRA. I'd use RSP to show them a quick snapshot of their retirement picture. I do this for my clients for free because it builds rapport with my clients and gives them a quick perspective on where they are and where they are going. I can also print them a "what if" analysis that illustrates some options for improving their situation. If they want to pay for a comprehensive retirement plan, then we have a more complicated piece of software that we use for that purpose. Retirement Planner is a wonderful stepping stone to get a quick picture of a client before trying to do a more elaborate plan. "

Can RP help you with 401k or other retirement plans?

"I use the software with 401k plans when I have only a few minutes to meet with clients. Using RSP I can give somebody a quick idea and quick look.... HR people like that level of service. There is no other product out there that you can punch in the data so quickly and get a reasonable picture of a clients retirement savings.

RSP is indespensable because it puts things into perspective for clients. Most clients don't have a full grasp or even a reasonable perspective of their retirment picture. RP puts it in simple terms. The client can see it visually and understand it better. It helps my clients grasp the ideas and visualize the concepts. RP does this very effectively."

We have advisors that occasionally ask us to add Monte Carlo simulation to RP. Should we do that?

"No, not for the quick retirement picture. Try to explain Monte Carlo analysis to a client and their eyes are going to glaze over and they will ask you if they can go home now. Monte Carlo is too complicated for a quick retirement estimate. RSP gives people a great perspective. It gets them 70-80% of the way. I get the most bang for my buck on the level that RSP offers."

Can RP be useful when meeting with clients about IRA rollovers?

"Yes. I think RSP is essential for IRA rollover work. It's a great tool for anyone considering an IRA rollover."

- from an actual Financial Advisor