Retirement Planning Software - Consumer Testimonials

- Listen to Henry F., Jan. 27, 2009

"Before my husband and I retired last year we were looking for a retirement program that would help us decide whether we would outlive our investments, while giving us the flexibility to try other alternatives and adjust the data as necessary. Your program was exactly what we were looking for. We liked your program so much, we purchased it for a 78 year old friend so he could see the result of moving his investments to muni bonds. Based on that info, he switched to bonds and has managed to escape the approx. 40% downturn in stocks. Excellent product and easy to use!
Thanks!" Sincerely,

Carol Moore, Jan 23 2009

"Thank you very much for quick attention. Your product is crucial to my retirement which started July 1...especially after today's market crash!"
Sincerely,

Michael Lenhardt, Sept. 29, 2008

"I have, in the past, purchased a number of upgrades of your company's Retirement Savings Planner. I have found your software easy to use and very informative. In short, I have really enjoyed using it...Thank you."

Charles Halterman, Sept. 22, 2008

"I think this software is awesome. There's no way a person can accurately predict, much less visualize, what their retirement savings and expenses will be without a tool like this. Seriously, high schools should teach a personal finance class using your product."

Jerry Gipson, July 24, 2008

"I've had the program for several years...It's a great piece of software. I am as pleased with the customer service as I am with the software."

Richard Joesting, June 3, 2008

"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

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