Investor's CalcStation v. 4.8
Define the budget, savings, capital accumulation, and investing tasks at hand — a walk in the park, just a bump in the road, or climb Mt. Everest.

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Years ago I was told by a longtime and very wealthy client, who wanted to give a significant amount of capital to his daughter, that he wanted to see simple, but complete actual and projected budgets, cash flow analyses, and balance sheets that were reflective both of her current financial condition and where she might hope to be at various times in the future. He specifically stated that he wanted a simple, clear, and complete presentation and that he did not want to see a typical standard investment plan — to use his words, "A lot of garbage;" what I later learned to mean no pie charts, graphs, or historical investment data dumps.

My programmer and I created Investor's CalcStation for these reasons; version 1 in a week.

My client was so pleased with Investor's CalcStation's combination of simplicity, detail, thoroughness — a few budgets, cash flow instant replays showing capital accumulation projections based on tracking different blocks of capital as they changed actual and projected compositions over time, cash flow shortfalls, if any, balance sheets at selected time periods, and 'no garbage' — that we did the same types of analyses for him and two friends, added accounts, and never looked back.

Tutorial/Demo: QuickView

Investor's CalcStation: Screenshots | Slideshow | Premise

Reports.jpg: Income | Expenses | Assets | Liabilities | Analysis 1 | Analysis 2 | Analysis 3 | Balance Sheet/Net Worth/Cash Flow Period Analysis

Reports.pdf: CalcStation Report| Investor Questionnaire | Investment Planning Report

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How can you decide what to do if you don't know what needs to be done?

If you were asked to evaluate a business and if you were asked to make recommendations for a current and future investing action plan, your primary considerations would be a detailed accounting of the following as opposed to standard investment plans:

'Show me the books'...

  • Budget
    • Realistic, Maintainable.
  • Cash Flows
    • Positive, Sustainable.
  • Profit
    • Quality, Increasing.
  • Balance Sheet
    • Integrity, Improving.

The very same criteria are central to evaluating an individual's actual and projected personal savings and investing plan.

In effect, 'Create the books' based on input from an individual or family and the expertise of the advisor; actual and projected budgets, cash flows, profits, and balance sheets to define the best savings and investing course of action.

There are six basic action options when savings and investment issues arise.:

  • Lower the goal.
  • Extend the capital accumulation period.
  • Go back into Budget and either increase Income or reduce Expenses.
  • Transfer Assets into a higher income producing and/or greater capital growth potential investments.
  • Liquidate an inflation adjusted portion of Assets at the time of a cash flow Shortfall.
  • Capital infusion.

For these reasons, we created Investor's CalcStation.

Define, modify, and manage the investing task at hand; a walk in the park, just a bump in the road, or climb Mt. Everest — investor's current and projected Budgets (Income - Expenses), Assets, Liabilities, Personal Cash Flows, Balance Sheets, and Net Worth Investment Goal Analyses over selected analysis periods using the investor's actual and projected sources and uses of funds and the advisor's actual and projected capital growth rates, interest rates, and inflation rates.