Truth Concepts: Telling the Whole Truth about Money

Truth Concepts™ was developed to do two things:

Help clients understand the “whole truth” about their financial choices.

Forget “conventional wisdom” (that may be wrong) or what the latest financial magazine is pushing. Truth Concepts™ pulls back the curtain and tells it like it is.

Truth Concepts can be used to compare financial strategies, to consult and answer your client’s specific questions, or as a powerful presentation tool that can be used to educate clients about financial principles such as opportunity costs and the impact of taxes and fees.

Help advisors and agents grow their businesses through serving clients better.

We have helped hundreds of advisors and agents differentiate themselves and take their business to a whole new level. We don’t just sell software… our mission is to support to assist and training, including business-building tips, articles, courses and events.

Truth Concepts™ in a Nutshell

Truth Concepts™ is desktop software that analyzes the impact of various financial choices. It includes over 20 multi-faceted functions – a suite of 16 calculators and additional tools and tables of historical information (such as tax rates). Truth Concepts™ lets you evaluate the effectiveness of limitless financial options.

How is Truth Concepts™ used?

Financial professionals use it to educate and empower their clients with complete transparency. Truth Concepts™ can be used to answer questions, compare strategies, consult, analyze, troubleshoot, and shift paradigms. Find out more about the calculators and their functions.

How does it work?

Truth Concepts™ measures how various actions (such as saving, spending, insuring, investing, borrowing, taxation, etc.) will affect an investor’s cash flow, net worth, and much more. By entering specifics of a client’s financial situation, you can calculate future results based on current facts and conditions.

Who uses Truth Concepts™?

Currently utilized by hundreds of financial advisors and insurance agents, Truth Concepts™ is also gaining popularity among real estate professionals, accounting professionals, and even individual investors.

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What is the history of Truth Concepts™?

Founded by Todd Langford and Norman Baker, Truth Concepts™ began development in 2007 and was released on the market in 2008. Updates such as new calculators and increased functionality are rolled out periodically.

A Truth Concepts Android “app” is available, and has enjoyed well over 10,000 downloads! The simple-to-use app has the following features:

  • PV – Present Value (or loan when entered as a negative)
  • Pmt – Payment (or withdrawal when entered as a negative)
  • NPer – Number of Periods
  • IRate – Annual Interest Rate
  • FV – Future Value
  • BOP/EOP – the payment is made at the Beginning or End of the Period
  • A/M/S/Q – Annual/Monthly/Semi-Annual/Quarterly Compounding

Install your copy here. 

Todd Langford

The Truth Teller behind the Software

Truth Concepts™ CEO and developer Todd Langford has been on the forefront of financial software development and training for over 25 years. Considered by many to be the industry expert, Todd has trained thousands of professionals to use financial software effectively.

Todd has been “Telling the Truth” and shifting paradigms about all things financial since 1986 when Todd was hired by Norman Baker, a successful financial advisor, to develop calculators that would “prove or disprove” the validity of certain financial strategies.

Convinced that advisors were leading clients down the wrong path with certain financial strategies, Todd and Norman set out to prove the truth… with calculators.

The calculators gave them a reliable way to compare strategies and test the soundness of ANY financial choice. The unexpected result? The mathematical Truth sometimes disproved popular financial strategies!

Numbers Don’t Lie

– But sometimes they can be used to mislead people when they only represent half-truths! As Todd discovered, popular financial wisdom (even if it seems logical) isn’t always right.

Todd has been an advocate of effective financial strategies, regardless of their popularity with Wall Street firms, the media, or investment gurus-of-the-moment. To be sure, he has encountered strong opposition to his point of view at times, sometimes from financial professionals with more than 30 years of experience and training. But Todd’s calculators PROVE definitively whether a strategy is viable or not.

Beyond the Numbers

After years of developing financial software and training thousands of agents to use it, Todd temporarily left programming to focus his efforts on the people side of the business, working directly with clients as a financial advisor. This was a particularly influential time, as it put Todd in the shoes of a software user, rather than developer. It was during this period that Todd developed the stories, examples, and conversations that would eventually be integrated into Truth Training™

Working directly with clients also enabled Todd to encounter limitations of existing financial software, and conceive possibilities for a new suite of calculators. Diving back into programming and development, Todd labored for many months to create the definitive solution.

The result? Truth Concepts™ was born.

Partnering once again with Norman Baker to release Truth Concepts™ software, it quickly acquired raving fans amongst savvy financial professionals. Since Norman’s passing in 2010, Todd continues to develop and improve Truth Concepts™ and Truth Training™, helping an ever-widening circle of like-minded professionals “Tell the Whole Truth about Money.”

Todd is a popular presenter at industry events and was a featured expert in Banking with Life, a documentary film. He continues to shift paradigms everywhere he goes by showing the truth in black and white.

We invite you to a Truth Training™ event.

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