Superlatives® Personal Economic ModelingTM (PEM) Services and Superlatives® Planning Program (SPP) are tools for individuals and couples to do lifetime strategic retirement/financial plans, including children college costs and other needs; by strategic we mean the focus is on yearly expenses and incomes, not detailed monthly budgets nor personal private information data like assets lists. PEM services include documents, advisories, statistical data aggregated from all users, and custom evaluation of plans with guidance from experts in strategic planning. SPP software uses a spreadsheet paradigm to make it easy to change variables for what-if explorations. The program incorporates powerful mathematical algorithms under the covers of a Microsoft Windows interface that run fast to provide understanding of what's important to achieve sound financial plans.