About Us

Financial Planning Toolkit provides trustworthy, comprehensive, and user-friendly personal financial information that helps people improve their lives.

Content Licensing

We license the right to republish the Financial Planning Toolkit.... 1500 hyperlinked documents and financial calculators that provide all the essential information a consumer needs to protect his or her family and plan a financial future.


We offer marketers the opportunity to put their messages in front of web users seeking to plan their wealth-building activities. Limited sponsorship opportunities are available for this very targeted content /audience combination.

Commitment to Your Privacy

This website is owned and operated by Toolkit Media Group, a Wolters Kluwer business. Your privacy on the Internet is of the utmost importance to us. Toolkit Media Group respects the privacy of the users of our products, services, and website, and we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. To that effect, we have instituted the following Privacy Policy, which discloses what information we gather and how we use it.

By using this website, you agree with the terms of this Privacy Policy. Whenever you submit information via this website, you consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy. We may change this Privacy Policy from time to time to reflect how we gather and manage your information. All changes to this Privacy Policy are effective upon posting to this website without notice to you. You are responsible for regularly reviewing this Privacy Policy.

Gathered and Tracked Information

We gather two types of information about users:

  • Information that users voluntarily provide when they subscribe to Financial Planning Toolkit and
  • Information gathered through aggregated tracking is derived mainly by tallying page views throughout this website. This information allows us to better tailor our content to users' needs and to help us and our advertisers and sponsors better understand the demographics of our audience. As discussed below, we share certain aggregated data with our advertisers, sponsors, and partners.

Subscription Policy

While content, tool, and calculator descriptions on the Financial Planning Toolkit® website can be reviewed for free, users must subscribe to the Financial Planning Toolkit to access and utilize most online services and materials. Users may obtain an annual subscription to Financial Planning Toolkit by: (1) purchasing a subscription directly on the Financial Planning Toolkit Web site or (2) becoming a Premium Member of Financial Planning Toolkit's sister-site, Business Owner's Toolkit®, and selecting Financial Planning Toolkit as one of the three membership benefits.

When you subscribe to Financial Planning Toolkit or become a Premium Member of Business Owner's Toolkit, you will be asked to provide personally identifiable information, such as your name, address, phone, e-mail address, and credit card number as well as to select a password for accessing Financial Planning Toolkit.

You are required to purchase a Financial Planning Toolkit subscription or Business Owner's Toolkit Premium Membership directly via each site's Store. For user's purchasing a Business Owner's Toolkit Premium Membership, refer to the Toolkit Membership Terms of Use and Privacy Policy on Toolkit.com.


This site may occasionally conduct user surveys to better target our content to our audience. We may share the aggregated demographic information collected in these surveys with our sponsors and advertisers. We never share any individual user survey information with third parties.

Protection of Personally Identifiable Information

Except as provided in this Privacy Policy, all personally identifiable information provided when users register for membership or purchase products or services in the Toolkit Store is encrypted with secure server software to protect such information from unauthorized access. Your personally identifiable information, including your credit card information, username and password, will remain encrypted within our database. We continually work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. For orders placed directly with Toolkit Media Group in the Toolkit Store, we reveal only the last four digits of your credit card number when confirming an order, although we transmit the entire credit card number to our credit card processor in order to process the order.

We take reasonable steps to protect your personally identifiable information as you transmit your information from your computer to our website and to protect such information from loss, misuse, unauthorized access, disclosure, alteration or destruction. You should keep in mind that no Internet transmission is ever 100% secure or error-free. In particular, e-mail sent to or from this site may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail. Moreover, it is your responsibility to safeguard your passwords, ID numbers, or other special features used to access this website.

User Tracking

Toolkit Media Group automatically tracks user traffic patterns throughout the entire site; however, we do not correlate this information with data about individual users. We break down overall usage statistics according to a user's domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user's browser).

Toolkit Media Group occasionally tracks and catalogs the search terms that users enter in our Search function to determine which areas of our sites users like and don't like based on traffic to those areas. We never track searches of individual users or what individual users read. Instead, we track how well each page performs overall, which helps us continue to improve services for you.

We also compile statistics that show the daily number of visitors to our site, the daily requests we receive for particular files or services, whether visitors access the site from paid advertisements, and from which countries those requests originate.


We may place a text file called a "cookie" in the browser files of your computer, which enables us to relate your use of this site to information that you have specifically and knowingly provided. The only personal information a cookie can contain is information you supply to Toolkit Media Group. A cookie can't read data off your hard disk or read cookie files created by other sites. Toolkit Media Group uses cookies to track user traffic patterns (as described above).

You can refuse cookies by turning them off in your browser. If you've set your browser to warn you before accepting cookies, you will receive a warning message with each cookie. You do not need to have cookies turned on to use this site. However, you may need cookies to participate actively in message boards, forums, polling and surveys.

Use of Information

This website uses information voluntarily given by our users to enhance their experience, whether to provide interactive or personalized elements on the site or to better preparing future content based on the interests of our users.

As described above, we use information that users voluntarily provide in order to send out our electronic newsletter and to enable users to participate in polls, surveys, message boards and forums. We send out newsletters to subscribers monthly, and may send out special editions when we think subscribers might be particularly interested in something we are doing or that has happened.

As described above, we use tracking information to determine which areas of our site users like and don't like based on traffic to those areas. We track how well each page performs overall. This helps us continue to build a better service for you. We do not track not what individual users read. In addition, we track search terms entered in our search function as one of many measures of what interests our users, but this tracking is never associated with individual users and we don't track which search terms a particular user enters.

We create aggregate reports on user demographics and traffic patterns. These aggregated statistics are used internally to better provide services to our users and may also be provided to advertisers, sponsors, and partners but again, they contain no individual personal or business information and cannot be used to gather such information. This allows our advertisers, partners, and sponsors to advertise more effectively, and allows our users to receive advertisements that are pertinent to their needs. Because we don't track the usage patterns of individual users, an advertiser, partner, or sponsor will never know that a specific user clicked their ad. We will not disclose any information about any individual user except to comply with applicable law, valid legal process, court order, government regulation, or to protect the personal safety of our users or the public.


By using this site, you consent to the collection and use of the information as described in this Privacy Policy. If we decide to change our Privacy Policy, we will post such changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

California Privacy Rights

YOUR PRIVACY RIGHTS - California Civil Code Section 1798.83 permits subscribers of Toolkit Media Group who are California residents to request certain information regarding the disclosure of any personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to customerservice@toolkit.com.

Contact Us

Upon request, we will provide subscribers with access to their own records. Subscribers can access and correct their personal or business information by emailing us at customerservice@toolkit.com.

If you feel that this website is not following its stated Privacy Policy, you may contact us via email at customerservice@toolkit.com Mon-Fri from 8:00 AM - 7:00 PM CT at 1-866-981-2677.