Neither Investor's CalcStation nor Investor's WorkStation reports have any pie charts, graphs, or data dumps because.

All Investor's CalcStation and Investor's WorkStation reports intentionally have an accounting look relying on numbers to detail issues, solutions, and processes.

You will notice that the Investor's CalcStation financial planning report is brief. This is by design:

Investment Advising Prospectus

As an investment advisor, I referred to the Money Management Plan as my investment advising prospectus because all of the reports actually define who I am, what I represent, how I conduct my business, and what I will and will not do; what, when, why, how, and what if.

The Money Management Plan is an actual working document rather than the usual generic (of value only at the drugstore) presentation; retrieved, viewed, printed, and presented by standard investment planning software — soon to be in the trash after initial trades are executed; often ending with the footnote, "Product recommendations are not specified," and/or "For specific investment advice please consult your financial advisor."

The complete Money Management Plan, as part of the continuous, forward-looking investment advising and investment management processes, is divided into three parts; detailing how rhetoric will be converted into results — budgeting, cash flow analysis, capital accumulation projections, investment selection and management and portfolio management, and performance:

Direction: Investment Planning — Where You Are Trying To Go

With regard to investment planning, the better the projection, the better the solution.

• For example, savings earning 3% for two years is/will be converted to an investment portfolio composed of both bonds (income, possibly no growth) and equities (growth, probably dividends) with each type of investment assigned individual actual and/or projected growth rates, interest/yield/income rates, and inflation rates where and when appropriate and then the equity portion of the portfolio is/will be liquidated for an actual or a projected value in a selected time period and the proceeds are/will be used to invest in a summer cottage and more bonds; each again assigned individual rates and, each again, possibly changing based on actual and projected financial planning directions and goals.

Opportunity: Investment Selection Disciplines, Rules, and Procedures

Bond investment selection and management disciplines, rules, and procedures, for example, govern the ongoing bond selection and management processes; the correct bond, the correct quality, the correct quantity, and the correct maturity at a competitive yield and reasonable cost.

Control: Portfolio Management Disciplines, Rules, and Procedures

Portfolio management disciplines, rules, and procedures govern the dynamics of change; the ongoing investment decision making, action taking portfolio management processes.

Efficiency: Investment Timing

Investment timing is everything; when you choose to walk across the street, what and when you buy at the store, the best time of year to buy a car, when to/not to stick your hand in the press, when to buy a house, the selection of a play in football when the outcome of the game is on the line, when a golf club releases when trying to hit a golf ball, and, most certainly and most importantly, what stock you buy and when you buy it and what stock you sell and when you sell it.

The very notion of 'timing' is an active instinct in all of us as we seek the best price and certainly is a more desirable thought process than simply passively deciding to succumb to notion that you will simply get what you get on the day you just happen to buy/sell and that there is little or nothing you can do about when, the time, you should try to do it.

Imagine going to Warren Buffett and suggesting to him that to improve investment performance he should no longer manage or attempt to time his investments.

Management: Portfolio Management — How You Are Going To Get There

Most investment planning software programs generate boatloads of reports infested with carloads of pie charts, graphs, and schedules of historical investment data to detail what needs to be done; however, there is usually little about the detail of and the basis for the design, and structure of a proposed investment portfolio and the underlying portfolio investments that are intended to take the investor to his or her investing destination.

Use Investor's WorkStation to create a unique, structurally sound and competitive investment portfolios consistent with the investor’s investment profile (risk tolerances, income/capital growth objectives, and investment time horizon) and manage, modify, monitor, and measure the investor's investment portfolio to keep the investment portfolio competitive as investor’s investment profiles, the current market conditions, the market outlook, and relative investment values change; the ongoing what, when, why, how, and what ifs of the investment management processes in detail.

Investor's WorkStation forces the user to take all of the portfolio design and creation steps into consideration and helps the user detail the investment selection and management and portfolio management processes.

Modify investment portfolios as investor investment profiles, investment goals, the current market conditions, relative investment values, and the market outlook change; always on track.