Testimonials

Joe,

I've been in the financial business for over 32 years and have always contended the only true objection was not having the money.

Well, now we in fact KNOW where the money is through the SNAPSHOT'S Cash Flow module AND where it will be in the next 10,20 or 30 years !!! Truly remarkable ! What a great Support Tool !

Last night I just finished my first case with Snapshot on a young family, 29 and 27 with 1 child and 1 on the way. They both work and wanted to "just buy some Term Life Insurance" to cover the Mortgage and Debts.

After methodically going through Snapshots with them, lo and behold we discovered around $ 1,000 positive Cash Flow. They decided to direct $ 300 to their Emergency Savings Account, $100 to each of their newly established ROTH IRAs and $ 500 to their new Indexed Universal Life and scrapping the Term Insurance they just had approved last week.

Now there are no objections! My oh my, what do we do now? FIND THE MONEY using SNAPSHOT!!!

Thanks Joe and thank you Snapshot!!!

Emil Wansa, CRP,CSA,CLTC,LTCP
Kansas City

Hi Joe,

Thanks for your help in making the Retirement Planning process easy and being available when I’ve had questions. Without having to log in to a company website, I’m able to bring your system along with me on a laptop and lay the groundwork in ½ hour’s time. (I know this will be shorter when I’m more adept!)

For the money, your system is one of the best values on the market today and would really work well within New York Life’s method of doing business.

Keep up the good work!

Marty Duggan, CLU, CLTC

ph: 207.523.2264 | fax: 207.828.6327 mduggan@clarkinsurance.com

"First of all, WOW! I can't believe what an incredible job you and your team did in creating The Retirement Snapshot Software system — It's incredible!

I have been in this business for about 10 years and must have purchased a dozen different illustration programs. NONE OF THEM does what your system does!!!

I recently ran a series of seminars and used your software during my initial client meetings. So far, I'm looking at more than $2,000,000 of premium and it's because of YOUR program. I know this to be true because the clients themselves told me so! Each and every one of the prospects I made presentations to reacted the same way—"This is amazing... I have never seen a presentation like this, before... WOW"...

When the prospects see the color, the timeline and the summary package, they are blown away because they have never been able to see their entire "FINANCIAL LIFELINE" (as I now call it), on one or two pages. Inflow and outflow of income and assets literally jump off the paper at them, making my job of recommending investment solutions much easier.

Thank you so much for creating this unique, highly-effective and inexpensive product — I would have paid 5x's as much. Actually, I have paid 5x's as much for other programs and NOTHING can compare to this.

Thank you again for the great product and support!"

Craig Tashjy, The Chancewood Group, Chester, New Jersey

"I want to thank you for your Retirement Snapshot software. My story starts on the day I was preparing a financial presentation for a very financially sophisticated couple. The husband is a financial institution attorney and his wife is the CFO for a very large, conservative nonprofit organization. Needless to say, I was sweating bullets.

Following my presentation (created with your software), the feedback from my clients was so positive. They expressed their appreciation for not making them read a 40 page report; they were pleased with the logic and ease of understanding the material so well illustrated.

This was my first presentation with your software. To say it was an excellent investment is an understatement. I walked away from my clients' home that evening with a $200,000 check for their retirement plan. Thank you Joe, for providing such confidence-building, quality software that makes my job much easier.

Wishing you continued success."


Tom Meier,
College Funding Solutions, Temecula, CA

"I have been using your program for the last couple of weeks and have been in front of several large prospects. I have used this software program with 5 prospects and have closed 4 of them. I really think that this will increase our closer ratio".

Michael A. Smith, Senior Vice-President, Wunderlich Securities Inc, Houston, TX

"It isn't often that I receive an offer that delivers what it promises.

I have been using the Retirement Snapshot as a planning tool that enables me to build from a basic solution and develop into a customized plan for my clients. It lets them become involved in the closing of the sale. This develops the need for additional products as their financial weakness shows up in the projections.

Over the course of the last few weeks I have come to appreciate the word — Service. You have certainly gone the extra mile to modify the program so that it enhances the presentations.

Thank you and much success to you."

Financial Consultants For Seniors, Mark Kaplowitz, Bridgewater, NJ

"The Retirement Snapshot program has given me a simplified illustration system to present to my clients their current and possible future financial situation. It is presented in a manner that all of my clients can understand and more importantly a tool that I can use on a daily basis. The problem with some of the other programs I have purchased is that they are so in depth that most of my clients do not understand the concept or illustration. The other programs also only work with a handful of clients, whereas the Retirement Snapshot program works with practically all of them."

Robert J. Fedigan, CEP, RFC, Tucson, AZ

"Thanks for your input. I love your system. I currently use software provided by my broker-dealer called "Financial Profiles". It was way too much information and too much time explaining what the client didn't want or need to know. Your system seems to cut through all the fluff and gets down to exactly that which people want to know. Again, thanks for your help."


Dennis A. Koch, CFP, Crookston, MN

"I find this software incredible! It makes my client analysis much more efficient and effective. The easy to understand output makes the client presentation more comfortable and allows me to focus on problem solving through product recommendations rather than teaching a basic finance course. The client can see what the results of proper retirement savings will be and can focus on the investment vehicle options that will accomplish their objectives. Your support is timely and the expert advice makes adapting to each case simple. Thank you for the opportunity to implement a software program that is not complicated and has proven results."

Charles M. Wilner, President, Wilner Consulting Group, Inc. West Palm Beach, Fl

"I have been in the Financial Services Profession for over thirty years. I have used many retirement planning programs and I often wondered why someone didn't do what you did. Your program is great. It presents the information on two pages so that the client can see and understand it. The fact that it only takes a few minutes to enter the client info makes it very easy to work with. Thanks and keep up the good work."

Ron Hovis, Waxhaw, NC

"I believe the Retirement Snapshot software program will allow people to better understand their financial picture in as little as 2 meetings(data gathering & presentation/implementation) vs. the normal 3-4 meetings using typical excel spreadsheets. After 33 yrs in the financial services business, I can attest that your software is a "breath of fresh air" that our industry badly needed.

Someday, I hope that we can meet in person so I can shake your hand for all the work that you put into the development of this software. I have used my own excel spread sheet for years, so I know how difficult it is to organize the final results so that our clients can understand it. I think you have helped a lot of people by creating "Retirement Snapshot", both clients & agents."

Rick Bringardner, Michigan Community Benefits, Farrington Hills, MI

Dave Laidlaw -Michigan

Tom Borchert - Iowa

"I would like to thank you for your software on the Retirement Snapshot. I like the options that are available with your software. I would recommend it to planners who do retirement planning. So far I have acquired two new clients by using your software."

Thanks again,

David McKay, McKay Financial Group, Tybee Island, GA

"I purchased the Retirement Snapshot several weeks ago and have been impressed with the program and how the figures generated show relevant information for the client. After a little practice, it is pretty easy to navigate. I have been especially impressed with the help that Joe has provided with any questions that I have had. He is either immediately accessible or he called me back promptly, a rarity these days."

Barry Weed, Greensboro, NC

"Due to the recent holidays, today was really the first chance I had to run a complete report for one of our client's using your Retirement Snapshot software. I am very impressed with the simplicity and effectiveness of your program along with the results it produces — everything came together perfectly!"

Ryan Birge, Brookstreet Securities, Ct., Norwalk, CT

Joe, I just started to use the software and so far it has worked great for the one case so far I completed. The clients really appreciated the simplicity of the printout. In addition I wanted to thank you for being so easy to work with.

Dave Glisczynski, Plover, WI

"The Retirement Snapshot System has proven to be a winner for our producing associates. As an Independent Marketing Organization, we started introducing the concept via broadcast emails to all of our associates and there was immediate positive response. Many who visited the website and viewed the tutorial saw the value of the program and immediately purchased the system. We have also provided the system to several of our top producers as incentives and have had a very favorable response from them. We believe it has value to anyone in the financial services industry and would suggest that anyone who wants to provide an increased level of service to their clients should take a close look at Joe Barbarite's Retirement Snapshot System".

Lowell Bundy, Sr. VP, Marketing Services, The Annuity Store, Sacramento, CA

"Joe has created illustration software that is both efficient and effective. The ease of learning and operating the software along with the use of color and the ability for the prospects to see their entire 'financial future' makes this product the perfect fit for both the advisor and his/her prospect. Retirement Snapshot is clearly a cut above the rest."

Matt Hand, Marketing Consultant, Financial Independence Group, Inc.(FIG), Cornelius, NC

"I want to tell you how tremendously impressed I am with the one page spread sheet you have developed to provide me with a "Big Picture" view of my retirement liquidity on a yearly basis for the next 20 years out, and all on one page to boot. For years I have been seeking someone to advise me how my retirement is actually going to play out from a financial standpoint, where I should place my asset portfolio in order to achieve an optimum balance between income and expenses with the minimum attainable amount of risk. Since the concept of "over time" can no longer apply when one reaches a normal retirement age, the ability to predict on a yearly basis whether one's portfolio is in proper harmony with expected expenses is critical for peace of mind.

After many years of searching for a retirement advisor capable of demystifying the retirement planning process, I have concluded that you are the only retirement advisor who fully grasps the need of retirees for clarity and simplicity in comparing income to expenses in a manner where changing any of the many potential variables can instantly show the financial ramifications of that change. Your decision to connect all the dots via a one page EXCEL spread sheet is nothing short of brilliant!

Thanks very much for the many months of work and thought you invested in this project, and my best wishes for continued success. I feel certain that you have developed a true winner with this approach to retirement planning and management."

Ray Wood, New Milford, CT

"Thanks Joe.......your spreadsheet was a revelation, now we are aware that we will have the desired income available for the lifestyle we want during retirement. It's fantastic that it can be updated at any time so you can stay abreast of your financial situation in real time. Thanks again."

Gene & Carol Duffy, Carmel, NY

"We're so impressed with the retirement planning spreadsheet you created for us. This is the first time a planner has been able to show us exactly how our retirement years will play out financially and we really like the fact that the entire plan is presented in an easy-to-understand document on one page. This is absolutely fantastic. Everybody planning their retirement should have you create one of these spreadsheets for them. Thanks again for a great job."

Jim and Camille Braun, Bronx, New York

"WOW! It's about time things got easier, rather than complex. Your retirement snapshot system makes magic with numbers. By putting in basic information (income, expenses and assets that takes only a few minutes), the spreadsheet is built as I enter the information and an easily read and understood report is produced. That translates to immediate results on one page instead of trying to wade through almost a book that is normally produced. Not only that, but changes and "what ifs" can be gotten instantaneous as well. But what I appreciate the most is the visual impact and ease of understanding of the report. This gives credibility to agents, and better understanding by clients - which translates to quicker evaluations, decisions AND business improvement. With the future analysis so readily available and changeable, the client can better improve his projected financial position with a few keystrokes, until satisfied. FANTASTIC. Thanks. I will be using this in place of many other tools."

Richard Knapp — Consultant, Yorktown Heights, NY