Smarter Tools for Smarter Investing
Welcome to the Wealthy YOU Tools section, your personal hub for building a confident, goal-oriented financial life. Whether you’re just getting started or refining your investment approach, these interactive tools are designed to help simplify decision-making and give you clarity as you take action.
Each tool is grounded in principles commonly used by institutional investors, but tailored here for individual use and educational purposes.
How to Use These Tools Together
(Remember that you can use the Monthly Budget Planner at anytime to assess your income and spending habits. This can help you identify areas where you may reduce costs and redirect cash toward your savings goal or retirement.)
If you’re planning for retirement, here’s a simple roadmap to follow:
Step 1. Understand your risk profile by starting with the Asset Allocation Tool.
Step 2. Use the Retirement Calculator to explore how much you might need in retirement.
Step 3. Visit the Investment Strategy section for examples asset mixes and Index ETF Investments. Use the Portfolio Builder Tool to help you with creating an index ETF portfolio.
Step 4. Document your approach by using the Investment Policy Statement Generator.
If you’re saving for a financial goal:
Step 1. Understand your risk profile by starting with the Asset Allocation Tool.
Step 2. Use the Savings Goal Calculator.
Step 3. Visit the Investment Strategy section for examples on asset mixes and Index ETF Investments. Use the Portfolio Builder Tool to help you with creating an index ETF portfolio.
Step 4. Document your approach by using the Investment Policy Statement Generator.
If you’re saving to Purchase a Home
Step 1. Understand your risk profile by starting with the Asset Allocation Tool.
Step 2. Use the Home Buying Plan Calculator.
Step 3. Visit the Investment Strategy section for examples on asset mixes and ETF Investments. Use the Portfolio Builder Tool to help you with creating an index ETF portfolio.
Step 4. Document your approach by using the Investment Policy Statement Generator.
Disclaimer:
These tools are provided for general informational and educational purposes only. They are not intended to offer financial, investment, tax, or legal advice. Please consult a licensed advisor or qualified professional for advice tailored to your individual circumstances.
(Free Access)
Monthly Budget Planner
The Monthly Budget Calculator helps you take control of your spending by organizing your income, expenses, and savings in one easy-to-use tool. It gives you a clear snapshot of where your money is going, so you can align your spending with your financial goals.
(Membership Required)
Asset Allocation Tool
The Asset Allocation Tool helps you build an investment mix based on your goals, time horizon, and risk tolerance. It guides you through selecting the right balance of stocks, bonds, and other assets—just like a pension fund would—so you can invest with confidence and discipline.
(Free Access)
Retirement Calculator
The Retirement Calculator estimates how much you’ll need to retire comfortably and whether you’re on track to reach that goal. By factoring in your savings, income, expected expenses, and retirement age, it gives you a clear, actionable roadmap to financial independence.
(Free Access)
Savings Goal Calculator
The Savings Calculator shows how your money can grow over time by factoring in regular contributions, estimated investment returns, and compounding. It helps you set clear savings goals and stay motivated by visualizing your progress toward any financial goal.
(Membership Required)
Portfolio Builder
Build your own investment portfolio with confidence. This tool helps you explore model asset mixes based on general principles used by institutional investors—like diversification, low fees, and long-term discipline. Use it to learn how different allocations can align with typical investment goals, time horizons, and risk levels. No advice, just education and insight to support your DIY investing journey.
(Membership Required)
Investment Policy Statement Generator
The Investment Policy Statement (IPS) Generator helps you create a personalized, written plan that outlines your investment goals, risk tolerance, asset allocation, and rebalancing strategy. It brings structure and discipline to your investing, just like institutions use, so you can stay focused and confident through all market conditions.
(Free Access)
Home Buying Plan
The Home Buying Plan helps you estimate how much you’ll need for a down payment, closing costs, and ongoing expenses, so you can purchase a home with confidence. It breaks your goal into manageable steps and timelines, giving you a clear savings path based on your budget and financial situation.