Nest Egg Guru

If there is sufficient demand for access to eMoney, we may eventually charge a low subscription fee to enable us to hire staff to help with eMoney onboarding and customer support. If we decide to implement a subscription fee, we plan to undercut the subscription fees charged by competing applications. Consumers can expect us to follow the Costco principle of providing great value for the lowest possible price. If we do migrate to a subscription model, we plan to confer “Free Forever” status to some number of our early adopters.

If the NestEggGuru PF website eventually attracts enough recurring visitors, we may also consider selling “undeveloped real estate” on on the Nest Egg PF website to advertisers. We do not plan to sell subscriber data to advertisers or permit advertisers to contact or specifically target our eMoney subscribers.

eMoney employs advanced security features and protocols to keep user data private and secure 24/7.  Security measures include password protection with two-factor authentication, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more.  For more detailed information, you may refer to the SECURITY articles in the eMoney Knowledge Base.

If you have been locked out after three failed login attempts, but are sure you know your username and password, just wait 15 minutes. Otherwise, just use the link at the bottom of the login screen to request a password reset.

Because access to eMoney is being provided for free via Nest Egg Guru’s professional subscription, Nest Egg Guru personnel will have the ability to view some data you have entered into the Organizer section of the platform including accounts you may link with various financial institutions. We are blind to all spending information and account numbers, and we cannot view any documents or folders you create in the Private Client Documents folder in the eMoney Vault.

Nest Egg Guru personnel can see any documents you add to the Shared Documents folder. However, as a practical matter, no one from Nest Egg Guru will review your portfolio or look at your documents. Conversely, Nest Egg Guru does not provide any financial planning advice, and users of the software and content provided on the Nest Egg PF website are NOT clients of Nest Egg Guru or its sister companies (Financial Planning Hawaii and Fee-Only Planning Hawaii).

These applications arose out of a series of peer-reviewed journal papers that Financial Planning Hawaii’s founder co-authored with the faculty from the University of Hawaii’s Shidler College of Business. They employ a simulation methodology called bootstrapping that offers certain advantages over more commonly employed Monte-Carlo simulation methods and allows us to present the output in a manner that makes potential retirement savings and spending outcomes more tangible.

Our original plan was to offer the applications to other financial advisors on a white-labeled subscription basis to incorporate into their websites. However, we eventually concluded that the size of the independent financial planner market is too small and too competitive to be viable. Instead, we have decided to keep the applications as proprietary software and to sell them as enterprise subscriptions to financial institutions.