How to Use These Tools in Your Appointments
Use this toolkit to guide live client conversations — in person or on Zoom — without sending clients to a separate software login.
Budget Planner – Cash Flow Mapping
- Organize income, bills, debts, and expenses clearly.
- Urgency colors help clients know what to pay next.
- Late/behind tracking for overwhelmed households.
- Month-to-month rollover (no rebuilding plans).
Debt Eliminator – Snowball / Avalanche Engine
- Enter balances, APRs, and minimums for every debt.
- Compare Snowball vs. Avalanche instantly.
- Show payoff time, interest saved, and next-step logic.
- Use it to introduce protection + savings naturally.
PIN + PRIVACY: Each user sets a 4–8 digit PIN.
Stored locally in their browser — never uploaded.
Clearing browser storage resets it.