Web Resources

• Yodlee MoneyCenter Budgeting Tool
  It’s important to know where your money goes. With Yodlee MoneyCenter you can see your income and expenses in one place, plus get the tools you need to control your budget. You can use pre-categorized spending reports to analyze your expenses. Then set your budget limits by category to manage the way you spend and save.

• Utah Educational Savings Plan
  Utah's 529 College Savings Plan.

• Free Annual Credit Report
  This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies.

• Scott Burns: It's Only Money
  Scott Burns has covered the changing world of personal finance and investments for nearly 40 years. Today, he ranks as one of the five most widely read personal finance writers in the country.
• Oprah's Debt Diet Action Plan
  From credit card debt to how much you should be spending every month based on your salary, Oprah's financial experts share their tips for getting out of debt.

• Dimensional Fund Advisors
  There is a model of investing based not on speculation but on the science of capital markets. Decades of research guide the way. The mission of Dimensional Fund Advisors is to deliver the performance of capital markets and increase returns through state-of-the-art portfolio design and trading. Discover how to become a Dimensional investor and capture what markets have to offer.

• Secure Drop Box
  Easily upload files directly to Efficient Wealth Management using this drop box.
• Online Collaboration
  Web Conferencing powered by GoToMeeting.
• CAL Schwab 401(k) Login
  
• Your Benefits Resources (CAL Hewitt)
  
• Hewitt Financial Services (Brokerage Account)
  Hewitt's Self-Directed Brokerage Account
• Smith Barney Benefit Access (CAL ESPP)
  
• PayTrust - Your Complete Bill Management Solution
  No more lost time keeping track of bills and writing checks. Receive and pay all your bills online, from anywhere - home, work or while on the road. A highly compelling and unique solution for bill management designed to dramatically improve the way you pay bills today.

• Mozy.com
  Mozy is a simple, automatic, secure online backup tool.
• RoboForm
  RoboForm is the top-rated Password Manager that automates password entry.

DISCLOSURE:
At certain places on this Efficient Wealth Management Internet site, live "links" to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Efficient Wealth Management. Efficient Wealth Management does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Efficient Wealth Management.