While many advisors will purchase software to address a high-end client’s needs, in reality many clients do not need the degree of “fire power” provided by some of the comprehensive planning software packages. As a result, many are seeking a simpler and less expensive tool to meet the needs of the middle market - those clients who want to know what time it is, not how the watch was made. Perhaps some clients desire to address a few planning issues, rather than taking a comprehensive approach. Planning Templates is designed to move those clients toward financial improvement without creating the financial paralysis that too much information can produce. The Planning Templates Excel-based tool makes logical sense, flows smoothly, and clients understand it. It is designed to edify the client – not just the advisor. Planning Templates is not intended to replace a high-end software package when that is truly needed; however, Planning Templates is designed for use with the majority of planning clients.