Personal Planning Software

All personal Financail planning software that I find just as personal finance or simply a retirement calculator. Where can I find a real personal financial planning software covering all understood my clear planning dept, protection against risks, education and retirement planning?

Hello,
I can recommend a software I use lately and I'm pretty happy - Personal Finance shareholders by Parcus group.
Simple to use with features incl. budgeting, financial planning models, evaluation activities, analyzing real estate investments, life insurance, tax calculator, etc.
Definitely check it at:
http://www.parcusgroup.com/
Great value for money for $ 24 or AU $ 29 for a single user license.