Yet as financial planning software gets more sophisticated, human planners are spending more and more time in this area.

FORBES: Eight Steps to Salvation

Then I started a financial planning software company, which makes suggestions about what benefits to take from Social Security and when to take them to get the best overall deal. (see, in this regard, www.maximizemysocialsecurity.com and www.esplanner.com).

FORBES: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know - Revised!

Troy Onink is the CEO of Stratagee.com, a college planning firm that provides college planning services to families and college planning software to financial advisors, admissions consultants and schools.

FORBES: Save For Retirement Now, Get More College Aid Later

In addition, agencies will notify JFMIP that a core financial management software procurement is planned - - preferably prior to, or in the early phases of, acquisition planning.

WHITEHOUSE: Circular No. A-127 -- Transmittal Memorandum No. 2 (Financial Management Systems) | The White House