1. A portfolio integration software module for facilitating financial advising and planning, the portfolio integration module configured to: facilitate, by a computer for facilitating financial advising and planning and comprising the portfolio integration software module, integration of goals, assets, savings, planned hypothetical events, unplanned hypothetical events, transactions, and a risk tolerance of a client; communicate, by the computer, with a portfolio reconciler module, a stochastic modeling module, a simulation module and an advice utility server, wherein the advice utility server is configured to create a financial advice application including data from a plurality of financial services; wherein the portfolio reconciler module is configured to facilitate comparison of a customized strategy to at least one of other strategies or projected client financial decisions in order to further facilitate the financial portfolio planning for the client; wherein the stochastic modeling module is configured to facilitate use of data from the at least one of: the portfolio integration software module or the portfolio reconciler module in a stochastic modeling analysis to facilitate creation of a proposed situation portfolio, wherein the analysis includes stochastic simulation of both planned hypothetical events and unplanned hypothetical events, wherein the unplanned hypothetical events comprise at least one of a disability, a retirement date, a death or a divorce; wherein the simulator module is configured to simulate, monitor and test at least one of the advice utility server, the portfolio integration software module or the portfolio reconciler module; obtain, by the computer, the risk tolerance, a goal timing schedule, the goals value, an assets value, a regular assets value, and contributions value; determine, by the computer, a plurality of proposed portfolios based upon the risk tolerance, the goal timing schedule, the goals value and an allocation table, wherein the allocation table comprises a plurality of cash, equity and fixed percentages for each portfolio in the plurality of portfolios, and for each of a plurality of time segments, the time segments comprise i) 0 to 3 Years from non-retirement goal, ii) 4 to 7 Years from non-retirement goal, iii) 8 to 15 Years from non retirement goal, iv) 16 or more Years from non-retirement and greater than 3 years away from retirement, v) 2 years or less from retirement, and wherein the goal timing schedule is based at least partially upon the plurality of time segments; determine, by the computer, a short-term timeframe based upon the goal timing schedule; determine, by the computer, a long-term timeframe based upon the goal timing schedule and a retirement date of the client; determine, by the computer, a short-term goals value based upon the goals value, the goal timing schedule and the short-term timeframe; determine, by the computer, a long term goals value based upon the goals value, the goal timing schedule and the long-term timeframe; determine, by the computer, a short-term regular assets portfolio based upon the short-term timeframe and the risk tolerance of the client; determine, by the computer, a long-term regular assets portfolio based upon the long-term timeframe and the risk tolerance; determine, by the computer, a short term portfolio regular assets amount; determine, by the computer, a proposed regular assets portfolio based upon the short-term regular assets portfolio and the long-term regular assets portfolio; determine, by the computer, a short-term regular contributions portfolio based upon the short-term timeframe and the risk tolerance; determine, by the computer, a long-term regular contributions portfolio based upon the long-term timeframe and the risk tolerance; determine, by the computer, a short-term regular contributions amount; determine a proposed regular contributions portfolio; determine, by the computer, a short-term variable universal life (VUL) goals portfolio based upon the short-term timeframe and the risk tolerance; determine, by the computer, a long-term VUL goals portfolio based upon the long-term timeframe and the risk tolerance; determine, by the computer, an amount of VUL cash values and premiums that should be invested in the VUL goals short-term portfolios and the VUL goals long-term portfolios; determine, by the computer, a proposed VUL goal funding portfolio based upon the short-term VUL goals portfolio and the long-term VUL goals portfolio; determine, by the computer, a retirement proposed portfolio based upon long-term timeframe and the risk tolerance; determine, by the computer, a proposed VUL non-goal funding portfolio based upon long-term timeframe and the risk tolerance; and update, by the computer, the plurality of proposed portfolios in response to receiving a change in at least one of the risk tolerance, the goal timing schedule, the goals value, a proposed contribution amount, or a mixture of regular versus retirement assets.