Here is a time graph of a typical financial plan.  Most on-line


planning software and many financial planners apply averages


and assumptions to every year of the client's planning horizon.  


You typically get a nice, smooth, generally optimistic result.

Let's look at our tools*


What Makes Futureproof Finances LLC Different (and Better)

Lot's of things.......our experience, our outlook, our objectivity, our motivation and our tools.


* Note:  Examples shown here are hypothetical, and do not reflect the performance of any specific client or portfolio.  Past performance is no guarantee of future results.




​Here is what might happen in the real world.  This plan uses the same basic assumptions as the plan at the left, except the stock market returns reflect the actual performance of the stock market from 2001 to 2013.  Instead of the client having a nice estate at age 100, the client is broke by age 90, and worrying every year in between.


Here is plan that has been "Futureproofed"

Several types of diversification and asset protection have been used.


This plan used the same basic assumptions as the plans above, reflecting the actual stock market performance from 2001 to 2013.  Diversification and asset protection have protected the asset base, and still left a sizable estate at the clients age 100.

FUTUREPROOF FINANCES LLC

Financial Planning and Consulting Services