Hi Everyone, I have recently accomplished my goal of obtaining a recognised MBA in Financial Planning to start the long haul of a career transition from an unrelated industry (but one that has taught healthy budgeting and a healthy level of scepticism). I have started a company and am now licensed through a dealer group who have been wonderful. So I'm all set to go with confidence in my intellectual and academic knowledge while I seek out my first clients to gain my real practical experience, all while maintain my full time day job which I will be unable to give up perhaps for some years yet. I know it will be hard. So does anyone have any good advice? I have spent a few years building up some strong networks in my target markets of professionals and retirees, and I think I want to focus on insurance and retirement planning as I do not believe I can realistically compete in investment planning as that requires more time that I have available, while insurance and retirement planning should suit my research minded detailed approach. So I'm qualified up (more so than many planners from what I've seen) but without real world experience as yet, and have only the standard IT tools available thus far while I seek to keep my overheads low while I accrue over $200 / month in licensing fees. So I thought I would start out with my wife and myself and do our own plan first - focussing on retirement and insurance planning, and I suspect everything will just 'click' then or I will overcome a potential psychological barrier at least. For now can anyone recommend any good superannuation spreadsheets? I am quite adept with Excel to an intermediate level (being not with Visual Basic although I could learn if I had to) but I am also keen to not get distracted with IT development when I should be out finding and servicing clients. The best I have found so far is SpeedSheets.com.au :: Excel Spreadsheets & Worksheet Templates - Free Trial which sell a range of spreadsheets for a few hundred dollars all up for about $30 - $50 each - but I would like to see the coding behind a spreadsheet so would prefer it to be not locked down if at all possible - as well as keep my costs down to the $280 / month licensing fee I currently have to service. Any suggestions will be gratefully received.