I'm not sure PFM's can exist outside of the FI and thrive. They may be able to get by, but without partnering with an FI, I'm not sure they will ever be successful. Look at Mint, Wesabe, Geezeo, and Jwaala. Mint sold to Intuit/Digital Insight (provider of online banking to FI's), Wesabe and Geezeo are both selling into FI's through private integrations, and Jwaala was owned by an FI and has its own online banking platform.

This is a scam to join their expensive learn to be a CEO program.....its a leadgen system and nothing more...help us.

Hello to all you bloggers out there!

Michael E. Parker here, CEO and Founder of Value-Centererd Solutions, Inc. and our newest product InOutCash.com. First I would like to thank all of you out there for your comments, opinions, and constructive criticizm. I appreciate you for taking the time to voice your thoughts and perspectives. However, I would like to take some time to educate some of you out there about what we are doing in hopes that with the right information you can make an informed decision about your level of support for our products. First of all, let me be clear that InOutCash.com is not your traditional Personal Financial Management Software. Our software is really focusing on the common person who values a systematic approach to money management that is convenient, provides coaching, and has a movitational environment to help users achieve consistent success. That's our focus, that's our mission. The solution we provide at InOutCash.com is just one of many value-centered products, solutions, and opportunities that we provide at Value-Centered Solutions, Inc. To make sure everyone is clear InOutCash.com does not directly offer a separate program or income opportunity. However, Value-Centered Solutions, Inc. does allow people in the community to join our You Are a CEO SuccessPreneur Network. As a SuccessPreneur we give the common person a chance to be approved to distribute our wonderful solutions to others while having a chance to earn additional income. Due to the economy and the power of word of mouth we decided to include the premium version of our money management solution as a product available for distribution. Those who choose to join this network pay the affordable price of $60 per year, that's just $5 per month. This represents just one of many distribution channels we are using to quickly spread the word about what we feel is a wonderful solution that can sincerely improve the lives of people. I want to make sure that you all have the proper information out there, directly from me. If you want more information go to our website and check out what we are doing at www.inoutcash.com or www.vcsinc.com. Thanks again for your comments and thoughts, blog on...

Michael E. Parker, CEO & Founder
Value-Centered Solutions, Inc.
InOutCash.com

@Michael
Thanks for adding your perspective to the discussion. It's great to hear from the founder.

I still think it's confusing for potential customers to see both a PFM and a business opportunity pitched on the same page.

But I'm happy to be proven wrong....I look forward to seeing how this progresses.

@Robbie
I agree that the path to having the most PFM users is likely through FIs...they already have the relationships, trust, etc.

But, I also think there is an opportunity for non-FI PFMs, if they can convince users they are completely looking after the user's bottom line.

To some extent, the old cliche is true, "it's the FIs game to lose." Offered the choice, the majority of users would choose to manage their money through their FI" But FIs must step up and provide good, easy-to-use tools.

@Jim

Thanks for your honest feedback and opinion which I highly respect. I want to provide a clarification and an additional perspective to this wonderful conversation. First of all, InOutCash.com is not pitching an opportunity it is simply informing our user base of an opportunity available to them through Value-Centered Solutions, Inc (www.vcsinc.com) if they are interested. Secondly, how can any PFM that claims to want to help people financially not in good conscience provide their users an opportunity to actually make money. Although uncommon, the question still remains, is the status quo what should be? Helping people manage what they have is only one side of the coin, we have to also consider helping people increase what they have. Our software is not another PFM just focusing on showing some new fancy chart, table, or technology. Our software was produced from a different heart and is focusing on truly helping people and bringing opportunities to the common person. I challenge any of our critics to not think about what has been done. Instead, think about what is right and what makes sense. Think about all the thousands of people who helped Mint grow by spreading the word and made Mint rich. They have nothing to show for it and are still trying to look for savings by opening a new credit card or bank account. This is not fair. However, I think an income opportunity should not be the focus but should be available to those who are motivated to do so. In this economy, I think it is almost contradictory for any PFM to say they care about people being more financially healthy and then give them no opportunity to create wealth, yet the company is creating wealth because of them. Companies offer free solutions but then focus on making money in other creative ways based on the data and traffic of the users. There is nothing wrong with this, but I do think there should be an opportunity for it to be shared with the people. We are the software for the common people who appreciate having an extremely simplified, highly visual approach to money management, who appreciate having a systematic approach with coaching built in, who are tired of making resolution after resolution and never being consistent, and who appreciate a company that would be willing to share its income with them for helping to get this wonderful tool into the hands of more people. Our focus is helping people manage their money in new ways with a new approach, and we refuse to not give people an opportunity to share in our success. We are sending a different sound throughout the PFM industry but maybe that is what is needed. Remember, every great pioneer was considered crazy before they were considered brilliant.

Sincerely and with great respect,

Michael E. Parker, CEO and Founder
Value-Centered Solutions, Inc.
InOutCash.com

I appreciate all of the comments that have been posted. Great to see the CEO commenting. I think that this is a great idea. I feel everyone could benefit from this tool. It not only makes it possible to see a picture of where you are financially, but it also lets you know how to improve the picture and then gives you the paint, brush and canvas to allow you to make it all happen. I too am very interested!