Keep your prices steady even when things get messy
Keep your prices steady even 
When things get messy.

Get Instant Access To
M.O.M. Elite
$1,997/yr
If you’re picking and choosing which bill to pay first or working nonstop with nothing to show for it, and your prices still aren’t covering what they should. M.O.M. helps you fix that with a planner that keeps sales, costs, and pricing in sync.

Product Information

Overview

Keeps Cash Predictable¹

No more wondering where the money’s going or when it’s coming in.¹ You can see right away what’s in the account and what’s coming up.¹ If next month looks short by $2,000,² it flags it and lets you update your costs without throwing your whole setup out of whack.² It helps you stay ahead so you can better anticipate changes—and make more informed decisions.⁴

Helps Avoid Mistakes

No more second-guessing your numbers. M.O.M. helps ensure everything adds up.¹ For example, when material costs rise and your best-selling product stops being profitable, the software flags it right away.² Update your costs in minutes. The tool syncs everything so your prices stay competitive and you can work toward break-even sooner, not later.¹ It’s designed to reduce the guesswork — so your next move feels more like a plan, not a shot in the dark.

Saves You From Costly Surprises

Say goodbye to end-of-month shocks. Alerts keep you ahead of the curve by flagging issues before they grow.² Whether supplier prices are creeping up or your ad spend is draining the budget, M.O.M. helps you spot it early² — so you have time to adjust.² Instead of scrambling to fix mistakes, you’ll be better prepared. Result updates give you visibility and help you stay in control, even when things shift.¹

Keeps The Books In Order

Think of it as a second pair of eyes³ working around the clock—built to help you spot issues before they grow into real problems.³ It’s designed to catch common accounting oversights early,³ so you can stay focused on the big picture. Imagine gearing up for a big month—ordering supplies, ramping up ads, or even adding extra staff—only to find sales aren’t meeting expectations. With early alerts,² you’ll have the chance to pause or adjust spending before things get out of hand.²

The Necessary Chore

Forget confusing spreadsheets or financial jargon. You get clear, straightforward summaries¹ like, “You made $15,000, spent $9,000, and here’s where it all went.”¹ Rising costs are flagged early² helping you keep more money in your business¹—no accounting degree required.

In Plain English

No more decoding accounting jargon or struggling with complicated menus. M.O.M. breaks down things into clear, easy-to-understand summaries based on your business inputs. Instead of “operating expenses have increased by 12%,” you’ll see, “you spent $1,200 more on supplies this month—helping you spot what changed³ and what it means for your bottom line.”¹ Whether you’re reviewing income trends or noticing unusual spending, you’ll get insights that help you stay better informed.⁴

Worth It - Plain and Simple

This tool shows where your business is thriving — and where it’s not. It can help catch small oversights that might save you $5,000 or uncover untapped revenue streams with the potential to bring in twice that.⁶ Plain and simple, it’s designed to help you make the most of your time and money.⁶

Proof Your Business is Good

Seeing the payoff from all your hard work makes the next move a lot easier. You’ll get insights like, “Your pricing strategy was followed by an estimated 18% boost in profits this quarter.”⁶ It shows you what’s working—like your top-performing products—and flags what might be holding you back, such as low-return expenses.³ With everything laid out clearly, you can move forward with confidence, knowing what’s clicking and where to tighten things up.¹

Doesn’t Take Forever

A digital library packed with hundreds of business insights is at your fingertips. For example, if you were to increase the price of a best-selling product by 3%, this could result in an estimated $1,500 more profit per month—assuming customer demand remains steady.⁷ It’s like having a library of business insights you can flip through at your own pace. And the best part? Updates happen automatically.

Less Time on Books. More Time on Business

Think of it as cruise control for your books. It takes on the number crunching and helps you spot issues before they slow you down — so you can focus more on growing your business and less on spreadsheets.⁸ It’s like having a powerful calculator in your back pocket, helping you stay one step ahead.⁸

Highlights

Flags rising costs early so you can catch problems before they grow.²

Clear summaries of what you earned, spent, and where the money went.⁴

Acts as a second pair of eyes built to help you spot issues before they become real problems.²

Helps you spot gaps early, so you can catch overspending before it turns into a bigger issue.²

Flags issues like rising material costs that may impact your pricing and margins.²

Helps you double-check that everything adds up.⁴

Keeps you in the loop when things don’t go as planned.⁴

Helps lay the groundwork for more informed business decisions.⁴

Gives a clear picture of your cash flow.⁴

Flags changes like supplier costs or ad spend before they impact your budget.²

Breaks down complex numbers into simple, useful takeaways.⁴

Shows where your money is going and highlights areas you may want to review.⁴

Highlights possible areas of opportunity based on your current setup.⁷

Saves time and stress with support.

Keeps you informed with regular updates and alerts.²

Instantly Clarity

Project Profitability⁹
Compare the performance of two projects side by side. Highlight where your time and resources could deliver more impact.⁹ See which project could offer the highest estimated return over five years.⁹ Estimate future cash values over five years, adjusted for today’s dollar. (4) customizable settings to explore where your time could go further.

Revenue Planning¹
Calculate available funds including loans.¹ Estimate potential profit at the end of a sales cycle based on your inputs.⁹ Estimate how long a sales cycle might take based on your business setup.⁹ Factor in estimated yearly business taxes as part of your revenue plan.⁹ Separate personal profit from business income for clarity.⁴ (8) settings to estimate the sales revenue that could cover all your needs.

Master Plan
Explore three pre-built business model templates designed for flexibility.⁹ Cover all primary and secondary expenses in one view. Review every detail of your Profit & Loss statement and Balance Sheet.⁸ (4) settings that generate a personalized overview of your finances.⁹

Current Operations
Track days until invoices are fully paid. Estimate when your inventory will sell out.⁹ Know when bills are due with pinpoint accuracy.⁴ Analyze how often customers pay and inventory sells out annually.⁹ Understand how effectively working capital is being utilized.⁹ See cash availability for covering expenses. Review cash flow—changes to support daily decision making. (3) settings that estimate how quickly cash moves through your sales cycle.⁹

Current Cash Flow
Estimate profit generated for every $1,000 in sales based on your business inputs.¹⁰
Estimate potential returns for every $1,000 invested in assets.¹⁰
View profit estimates tied to asset-related investments.¹⁰
Review a three-year cash flow burn estimate using your current data.¹⁰
Adjust cash flow based on invoices, inventory, or upcoming bills.
(1) setting to estimate profit frequency based on your current operations.¹⁰

Current Investment
View interest-bearing debt obligations for every $1,000 invested.
Assess total debt payments tied to business investments.
Estimate after-tax returns on capital invested based on sales figures.¹⁰
Track your financial cycle time — how fast cash turns into sales and back.¹⁰
Estimate how often profit occurs within each financial cycle.¹⁰
Review total expenses and revenue for every $1,000 in sales.¹⁰

Growth
Explore business growth possibilities up to nine years ahead.¹⁰
Factor in outside capital to estimate how it could support yearly goals.¹⁰
Update revenue targets based on new funding estimates.¹⁰
Recalculate estimated tax rates as projected sales change.¹⁰
(12) settings to explore how additional investment or funding could impact your goals.¹⁰

Products – Up to 3
Preview operating hours and days for your business.
Assign each product a percentage of your overall business.
Preview suggested retail prices aligned with your sales targets.⁹
Assess staffing needs based on inputted customer demand.⁹
Plan marketing budgets around new customer estimates.⁹
Design sales incentives to complete cycles.⁹
Analyze customer trends — those who leave, stay, or buy more frequently.⁹
Set sales targets for working days and individual products.⁹
Break down daily sales goals for each product.⁹
(8) settings that help you explore paths to reaching sales goals.⁹

Evaluation
Compare your current and projected business scenarios to explore possible value ranges.¹¹
View estimates of your business value based on ongoing inputs and activities.¹¹
See how certain improvements may influence projected business value.¹¹
Estimate post-tax profits and potential cash returns.¹¹
Track your growth cycle — days spent growing per year.
Estimate returns on invested capital (ROIC) using your data.¹¹
Analyze the cost of capital and loan rates.
(4) settings designed to help you explore value metrics when seeking investors or partners.¹¹

Exit Strategy
Explore two buyer profiles for your business sale, with estimated value ranges.¹¹
  View maximum sale value.¹¹
  View minimum sale value.¹¹
Estimate post-tax profits to support transparency in buyer discussions.¹¹
Show growth cycle frequency to potential buyers.
View estimated returns on invested capital (ROIC).¹¹
Break down the cost of capital and loan rates.
Present estimated business value ranges to inform buyer conversations.¹¹
(4) settings designed to help communicate business value to qualified buyers.¹¹


Auto Calculate
Automatically adjust linked fields across your financial plan. 
Perform over 300 calculations in one click. 
Override default values with your own inputs for a personalized view.

88 Adjustable Settings Main setting
(11) adjustable settings for income statements 
(10) adjustable settings for balance sheet 
(3) adjustable settings for cash flow statements

Compatibilities

EARLY ACCESS - Any desktop (PC), running the latest version of Microsoft Excel.  
Office apps (Excel) require: Windows 10, a 1 GHz or faster processor, 1 GB (32-bit) or 2 GB (64-bit) of RAM, 16 GB of free hard disk space, Microsoft DirectX 9 graphics device with WDDM driver. (full access coming soon)

Disclaimer

1. This tool provides estimates based on user inputs and is intended for educational purposes only. It does not guarantee specific financial results and does not constitute financial advice. Outcomes may vary significantly based on individual circumstances, such as industry type, market conditions, operational scale, financial management practices, and unexpected events. Users are strongly encouraged to consult qualified financial, accounting, or legal professionals before making any financial decisions.

2. Alerts are based on users inputs and do not guarantee outcomes. Estimates and alerts depend on data accuracy and timeliness. Alerts and estimates are based on user inputs and not a replacement for professional bookkeeping, accounting, or auditing services. For guidance specific to your finances, consult a licensed accountant

3. This tool is designed to assist with identifying common accounting patterns and irregularities based on user inputs. It does not replace professional bookkeeping or auditing services. Estimates and alerts are for informational purposes only and do not constitute financial advice. For guidance specific to your finances, consult a licensed accountant.

4. Insights are based on user-provided data and are intended for general educational purposes only. This tool does not provide financial, accounting, tax, or investment advice and is not a substitute for professional consultation.

5. Results will vary depending on the business and accuracy of inputs. This tool does not guarantee specific savings, increased revenue, or return on investment.

6. This tool provides estimated outcomes based on user inputs and is intended for educational purposes only. Results are not guaranteed and it does not constitute professional financial, tax, accounting, or legal advice. Users should consult a qualified professional before making significant financial decisions.

7. Financial outcomes are estimates based on hypothetical inputs and do not guarantee specific results. This tool is intended for educational purposes only and does not provide financial, legal, or accounting advice.

8. This tool assists with organizing financial data and identifying common patterns or inconsistencies based on user inputs. It is not a replacement for professional bookkeeping, accounting, or auditing services. For guidance specific to your finances, consult a licensed accountant

9. This tool provides estimates, templates, and projections based on user-entered information. It is not a substitute for professional accounting, financial planning, or tax services. Consult a qualified advisor before making financial decisions.

10. This tool uses user-provided inputs to generate estimates, forecasts, and performance visuals. It is not a substitute for professional financial, tax, or legal advice. Always consult a qualified advisor before making significant business or financial decisions.

11. This tool uses user-provided inputs to generate financial estimates and performance visuals. These outputs are for illustrative purposes only and do not constitute formal valuation, investment, or tax advice. Always consult a licensed financial professional before making critical business decisions.

Order Form

Get Instant Access To
M.O.M. Elite
$1,997/Yr
If you’re picking and choosing which bill to pay first or working nonstop with nothing to show for it, and your prices still aren’t covering what they should. M.O.M. helps you fix that with a planner that keeps sales, costs, and pricing in sync.

Overview:

Set budgets that payout a profit 12x faster:
  • Set revenue targets that incudes business taxes, so you make a clean profit every month. The first step is to create budgets that account for all primary costs, including salaries and inventory, rent, office supplies, employee benefits, software, licensing, and permits. You know how to get clients; now you have the resources to serve them.
An estimate – that knows where cash is at every stage of the sales cycle:
  • A business that can pay its debt in 30 days may use those funds to boost its sales and accumulate more cash. For example, it could purchase additional inventory without incurring additional expenses. And when combined with collecting outstanding invoices 5 days after purchase, the business will have more cash on hand at the end of the 30-day period.                  
Customers needed over next 30 days:
  • Avoid overstocking by determining how many customers are required to sell products or services to over the next 30 days. The more you sell, the less money you’ll need. All of this involves delivering your products or service on schedule and communicating how they are priced or marked down.
Shorten time for invoices to be paid so you have more cash at hand:
  • It’s faster processing cash/credit card payments upfront than on installments. One way to reduce the number of installments you issue is by providing alternative payment methods through merchant accounts like PayPal, which pay you upfront while financing your customers over time.                                          
Assign roles and responsibilities with clear direction:
  • A business's true profit can be found in a strategy that allows employees to make excellent decisions that delivers the finest service to the consumers. Exceptional profit margins need happy, loyal, and repeat consumers who will return time and time again.
Complete a sale cycle:
  • Any business that follows a clear, repeatable program is always aware of what to do next to boost sales. A solid system makes it easier to grow your business and allows you to become independent and free from outside influences.                                     

Product Information

Overview

Keeps Cash Predictable¹

No more wondering where the money’s going or when it’s coming in.¹ You can see right away what’s in the account and what’s coming up.¹ If next month looks short by $2,000,² it flags it and lets you update your costs without throwing your whole setup out of whack.² It helps you stay ahead so you can better anticipate changes—and make more informed decisions.⁴

Helps Avoid Mistakes

No more second-guessing your numbers. M.O.M. helps ensure everything adds up.¹ For example, when material costs rise and your best-selling product stops being profitable, the software flags it right away.² Update your costs in minutes. The tool syncs everything so your prices stay competitive and you can work toward break-even sooner, not later.¹ It’s designed to reduce the guesswork — so your next move feels more like a plan, not a shot in the dark.

Saves You From Costly Surprises

Say goodbye to end-of-month shocks. Alerts keep you ahead of the curve by flagging issues before they grow.² Whether supplier prices are creeping up or your ad spend is draining the budget, M.O.M. helps you spot it early² — so you have time to adjust.² Instead of scrambling to fix mistakes, you’ll be better prepared. Result updates give you visibility and help you stay in control, even when things shift.¹

Keeps The Books In Order

Think of it as a second pair of eyes³ working around the clock—built to help you spot issues before they grow into real problems.³ It’s designed to catch common accounting oversights early,³ so you can stay focused on the big picture. Imagine gearing up for a big month—ordering supplies, ramping up ads, or even adding extra staff—only to find sales aren’t meeting expectations. With early alerts,² you’ll have the chance to pause or adjust spending before things get out of hand.²

The Necessary Chore

Forget confusing spreadsheets or financial jargon. You get clear, straightforward summaries¹ like, “You made $15,000, spent $9,000, and here’s where it all went.”¹ Rising costs are flagged early² helping you keep more money in your business¹—no accounting degree required.

In Plain English

No more decoding accounting jargon or struggling with complicated menus. M.O.M. breaks down things into clear, easy-to-understand summaries based on your business inputs. Instead of “operating expenses have increased by 12%,” you’ll see, “you spent $1,200 more on supplies this month—helping you spot what changed³ and what it means for your bottom line.”¹ Whether you’re reviewing income trends or noticing unusual spending, you’ll get insights that help you stay better informed.⁴

Worth It - Plain and Simple

This tool shows where your business is thriving — and where it’s not. It can help catch small oversights that might save you $5,000 or uncover untapped revenue streams with the potential to bring in twice that.⁶ Plain and simple, it’s designed to help you make the most of your time and money.⁶

Proof Your Business is Good

Seeing the payoff from all your hard work makes the next move a lot easier. You’ll get insights like, “Your pricing strategy was followed by an estimated 18% boost in profits this quarter.”⁶ It shows you what’s working—like your top-performing products—and flags what might be holding you back, such as low-return expenses.³ With everything laid out clearly, you can move forward with confidence, knowing what’s clicking and where to tighten things up.¹

Doesn’t Take Forever

A digital library packed with hundreds of business insights is at your fingertips. For example, if you were to increase the price of a best-selling product by 3%, this could result in an estimated $1,500 more profit per month—assuming customer demand remains steady.⁷ It’s like having a library of business insights you can flip through at your own pace. And the best part? Updates happen automatically.

Less Time on Books. More Time on Business

Think of it as cruise control for your books. It takes on the number crunching and helps you spot issues before they slow you down — so you can focus more on growing your business and less on spreadsheets.⁸ It’s like having a powerful calculator in your back pocket, helping you stay one step ahead.⁸

Highlights

Flags rising costs early so you can catch problems before they grow.²

Clear summaries of what you earned, spent, and where the money went.⁴

Acts as a second pair of eyes built to help you spot issues before they become real problems.²

Helps you spot gaps early, so you can catch overspending before it turns into a bigger issue.²

Flags issues like rising material costs that may impact your pricing and margins.²

Helps you double-check that everything adds up.⁴

Keeps you in the loop when things don’t go as planned.⁴

Helps lay the groundwork for more informed business decisions.⁴

Gives a clear picture of your cash flow.⁴

Flags changes like supplier costs or ad spend before they impact your budget.²

Breaks down complex numbers into simple, useful takeaways.⁴

Shows where your money is going and highlights areas you may want to review.⁴

Highlights possible areas of opportunity based on your current setup.⁷

Saves time and stress with support.

Keeps you informed with regular updates and alerts.²

Instantly Answers

Project Profitability⁹
Compare the performance of two projects side by side. Highlight where your time and resources could deliver more impact.⁹ See which project could offer the highest estimated return over five years.⁹ Estimate future cash values over five years, adjusted for today’s dollar. (4) customizable settings to explore where your time could go further.

Revenue Planning¹
Calculate available funds including loans.¹ Estimate potential profit at the end of a sales cycle based on your inputs.⁹ Estimate how long a sales cycle might take based on your business setup.⁹ Factor in estimated yearly business taxes as part of your revenue plan.⁹ Separate personal profit from business income for clarity.⁴ (8) settings to estimate the sales revenue that could cover all your needs.

Master Plan
Explore three pre-built business model templates designed for flexibility.⁹ Cover all primary and secondary expenses in one view. Review every detail of your Profit & Loss statement and Balance Sheet.⁸ (4) settings that generate a personalized overview of your finances.⁹

Current Operations
Track days until invoices are fully paid. Estimate when your inventory will sell out.⁹ Know when bills are due with pinpoint accuracy.⁴ Analyze how often customers pay and inventory sells out annually.⁹ Understand how effectively working capital is being utilized.⁹ See cash availability for covering expenses. Review cash flow—changes to support daily decision making. (3) settings that estimate how quickly cash moves through your sales cycle.⁹

Current Cash Flow
Estimate profit generated for every $1,000 in sales based on your business inputs.¹⁰
Estimate potential returns for every $1,000 invested in assets.¹⁰
View profit estimates tied to asset-related investments.¹⁰
Review a three-year cash flow burn estimate using your current data.¹⁰
Adjust cash flow based on invoices, inventory, or upcoming bills.
(1) setting to estimate profit frequency based on your current operations.¹⁰

Current Investment
View interest-bearing debt obligations for every $1,000 invested.
Assess total debt payments tied to business investments.
Estimate after-tax returns on capital invested based on sales figures.¹⁰
Track your financial cycle time — how fast cash turns into sales and back.¹⁰
Estimate how often profit occurs within each financial cycle.¹⁰
Review total expenses and revenue for every $1,000 in sales.¹⁰

Growth
Explore business growth possibilities up to nine years ahead.¹⁰
Factor in outside capital to estimate how it could support yearly goals.¹⁰
Update revenue targets based on new funding estimates.¹⁰
Recalculate estimated tax rates as projected sales change.¹⁰
(12) settings to explore how additional investment or funding could impact your goals.¹⁰

Products – Up to 3
Preview operating hours and days for your business.
Assign each product a percentage of your overall business.
Preview suggested retail prices aligned with your sales targets.⁹
Assess staffing needs based on inputted customer demand.⁹
Plan marketing budgets around new customer estimates.⁹
Design sales incentives to complete cycles.⁹
Analyze customer trends — those who leave, stay, or buy more frequently.⁹
Set sales targets for working days and individual products.⁹
Break down daily sales goals for each product.⁹
(8) settings that help you explore paths to reaching sales goals.⁹

Evaluation
Compare your current and projected business scenarios to explore possible value ranges.¹¹
View estimates of your business value based on ongoing inputs and activities.¹¹
See how certain improvements may influence projected business value.¹¹
Estimate post-tax profits and potential cash returns.¹¹
Track your growth cycle — days spent growing per year.
Estimate returns on invested capital (ROIC) using your data.¹¹
Analyze the cost of capital and loan rates.
(4) settings designed to help you explore value metrics when seeking investors or partners.¹¹

Exit Strategy
Explore two buyer profiles for your business sale, with estimated value ranges.¹¹
  View maximum sale value.¹¹
  View minimum sale value.¹¹
Estimate post-tax profits to support transparency in buyer discussions.¹¹
Show growth cycle frequency to potential buyers.
View estimated returns on invested capital (ROIC).¹¹
Break down the cost of capital and loan rates.
Present estimated business value ranges to inform buyer conversations.¹¹
(4) settings designed to help communicate business value to qualified buyers.¹¹


Auto Calculate
Automatically adjust linked fields across your financial plan. 
Perform over 300 calculations in one click. 
Override default values with your own inputs for a personalized view.

88 Adjustable Settings Main setting
(11) adjustable settings for income statements 
(10) adjustable settings for balance sheet 
(3) adjustable settings for cash flow statements

Compatibility

EARLY ACCESS - Any desktop (PC), running the latest version of Microsoft Excel. 
 
Office app (Excel) require: Windows 10 / (macOS), a 1 GHz or faster processor, 1 GB (32-bit) or 2 GB (64-bit) of RAM, 16 GB of free hard disk space, Microsoft DirectX 9 graphics device with WDDM driver. 
(Full access coming soon)

Disclaimer

1. This tool provides estimates based on user inputs and is intended for educational purposes only. It does not guarantee specific financial results and does not constitute financial advice. Outcomes may vary significantly based on individual circumstances, such as industry type, market conditions, operational scale, financial management practices, and unexpected events. Users are strongly encouraged to consult qualified financial, accounting, or legal professionals before making any financial decisions.

2. Alerts are based on users inputs and do not guarantee outcomes. Estimates and alerts depend on data accuracy and timeliness. Alerts and estimates are based on user inputs and not a replacement for professional bookkeeping, accounting, or auditing services. For guidance specific to your finances, consult a licensed accountant

3. This tool is designed to assist with identifying common accounting patterns and irregularities based on user inputs. It does not replace professional bookkeeping or auditing services. Estimates and alerts are for informational purposes only and do not constitute financial advice. For guidance specific to your finances, consult a licensed accountant.

4. Insights are based on user-provided data and are intended for general educational purposes only. This tool does not provide financial, accounting, tax, or investment advice and is not a substitute for professional consultation.

5. Results will vary depending on the business and accuracy of inputs. This tool does not guarantee specific savings, increased revenue, or return on investment.

6. This tool provides estimated outcomes based on user inputs and is intended for educational purposes only. Results are not guaranteed and it does not constitute professional financial, tax, accounting, or legal advice. Users should consult a qualified professional before making significant financial decisions.

7. Financial outcomes are estimates based on hypothetical inputs and do not guarantee specific results. This tool is intended for educational purposes only and does not provide financial, legal, or accounting advice.

8. This tool assists with organizing financial data and identifying common patterns or inconsistencies based on user inputs. It is not a replacement for professional bookkeeping, accounting, or auditing services. For guidance specific to your finances, consult a licensed accountant

9. This tool provides estimates, templates, and projections based on user-entered information. It is not a substitute for professional accounting, financial planning, or tax services. Consult a qualified advisor before making financial decisions.

10. This tool uses user-provided inputs to generate estimates, forecasts, and performance visuals. It is not a substitute for professional financial, tax, or legal advice. Always consult a qualified advisor before making significant business or financial decisions.

11. This tool uses user-provided inputs to generate financial estimates and performance visuals. These outputs are for illustrative purposes only and do not constitute formal valuation, investment, or tax advice. Always consult a licensed financial professional before making critical business decisions.

Order Form

Step 1: CONTACT INFO
Step 2: BILLING ADDRESS
Step 3: PAYMENT INFO
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Disclaimer: This tool is provided for educational and illustrative purposes only. It does not replace professional financial, tax, or accounting advice. Users should have all financial plans reviewed and approved by their qualified financial advisors, accountants, or other appropriate professionals before making any business or financial decisions. The tool is not a substitute for personalized guidance from licensed professionals.

Investing of any kind carries risk and it is possible to lose some or all of your money. The training provided is general in nature, and some strategies may not be appropriate for all individuals or all situations. We make no representation regarding the likelihood or probability that any actual or hypothetical investment will achieve a particular outcome or perform in any predictable manner.