There are many reasons why you might consider participating in the All About Money® program.
  • Unbiased “generic” education – i.e. no ulterior motive to sell financial products or services.

  • All educational material is written by a Certified Financial Planner® with 20 years experience who is also an approved continuing education provider with the CFP Board of Standards.

  • Professionals with a master’s degree in instructional design engineered the overall program. 

  • You learn concepts in a logical sequence – i.e. All About Money® “connects the dots” so you gain an understanding of how financial concepts are interrelated, which helps bring clarity and confidence to financial decisions. 

  • Educational content is delivered in “courseware” format via the Internet.  It is rich with interactive multimedia, graphics and animations, and instruction is supported entirely by voiceover narration.  Video role-play is used where appropriate.

  • Attorneys, industry regulators, compliance officers, and professional experts have reviewed the content for both accuracy and compliance with industry standards.

  • Comprehensive “generic” financial education is combined with optional comprehensive financial planning services that are “specific” to each your personal situation.
Comprehensive Financial Plans
  • If you choose to enter your personal information into our confidential database, you can create your own comprehensive financial plan – or – print a summary document from which any skilled advisor can create a plan for you. Click here to view a sample plan.

  • When you take the time to gather the necessary information and enter it in our online database, you’ll never have to do it again!  From that point forward, you control your personal financial information rather than an advisor or financial institution.  

  • Your information is available only to you whenever you want to access it, even if All About Money® was provided as an employee benefit and you leave your current job.

  • Our comprehensive plans are unbiased – i.e. there is no ulterior motive to sell financial products or services.

  • Comprehensive financial plans are designed not only to identify current problems, funding shortfalls, risks, etc. but also potential issues that might arise in the future.  Once identified, the plans provide recommendations as to how to rectify the issues. 

  • Unlike a goal-specific plan such as college funding or retirement, a comprehensive plan is integrated, which means it addresses a multitude of financial goals and contains analytical results that show how one financial decision would affect another.

  • The financial plans are highly tailored to your resources and goals, and demonstrate the logic and thoroughness behind the recommendations.

  • Recommendations take into account all areas of analysis:

    • Net Worth
    • Cash Flow - Income and Expenditures
    • Income Taxes
    • Investment Risk Tolerance and Asset Allocation
    • Debt Management
    • Risk Management: Life, Disability, and Long-Term Care Insurance
    • Education Financing
    • Financial Goals Roadmap
    • Retirement Planning
    • Estate Planning


  • Lumen Systems Inc. developed the software used to create the financial plans.  Established in 1982, the company is now a dominant provider of financial planning software in the marketplace.

  • Lumen System’s staff includes expert software developers, a skilled technical support team, a knowledgeable and responsive customer services department, and a management team with over 40 years of combined experience in the financial planning arena.

  • Lumen Systems Inc. makes a 1-800 number available for questions you might have about entering information into our confidential database or recommendations in your financial plan.   

  • Neither Lumen Systems Inc. nor Planning Matters Inc. is licensed to sell or provide advice about specific financial products or services that could be used to implement recommendations in a financial plan.  We are completely unbiased.
Financial Advice
  • Few people understand that financial plans do NOT provide advice about SPECIFIC financial products or services.  
  • You must therefore learn to evaluate and determine which financial products and services are most appropriate for your particular situation and/or rely upon the professional expertise of licensed and regulated advisors.

  • All About Money® not only teaches you how to compare and contrast financial products and services, but also how to evaluate, select and monitor the performance of various types of financial advisors including insurance agents, investment advisors, bankers, accountants, and attorneys.

  • With this knowledge, you can implement the recommendations in your financial plan through any financial advisor employed by any financial institution or by purchasing financial products and services via the Web in a self-directed manner.
Advantages to Employers
Since the All About Money® education and financial planning program is unbiased, our service can help your Employers:
Financial Education
●  Meet its ERISA fiduciary duties and responsibilities to:
  • Make prudent decisions regarding service providers.
  • Protect plan participants from conflicts of interest.
  • Act in the best interests of retirement plan participants and beneficiaries.
  • Provide employees with assistance in making informed decisions:
General financial and investment information.
Asset allocation models and how they affect age, income and non-plan investment groupings.
Interactive investment materials such as questionnaires and software that enables participants to estimate future retirement income needs and assess the impact of different asset allocations.
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  • Alleviate the risk of corporate executives being viewed by the Department of Labor as having provided investment advice.

  • Increase corporate productivity by reducing money anxiety and stress in the workplace.

  • Insulate the company from potential complaints or lawsuits that might arise from the sale of financial products and services.

  • Improve usage of your corporate benefit packages by providing employees with the knowledge they need to better understand their employee benefits.

  • Increase the amount of funds employees set aside in company retirement plans.

  • Educate employees about not only investments, but also financial planning concepts overall.

  • Demonstrate that corporate executives care about the financial well-being of their employees.
Long-term Objectives for All About Money®
The overall objective of All About Money® is to provide a fully integrated financial services package to online populations through a Web-based portal.  The initial launch of All About Money® will include Financial Education and Financial Planning.  Plans are underway for adding Financial Solutions (products and services) and Financial News to the site.  For those who have entered their financial data to create financial plans, the information will be stored in a confidential database, readily accessible by users to measure progress, run “what if” scenarios, and update their financial plans when life events alter circumstances.
Long-term Objectives for All About Money®
The long-term objective is for users to be able to implement their plans by purchasing products and services (solutions) online through top financial institutions.  They’ll also have immediate, real-time access to experts as well as current news and research to monitor and maintain their plans.  Additional features may include chat rooms, message boards and success stories.  This type of service is not presently available to online populations.
Long-term Objectives for All About Money®
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