1. A financial planning method, comprising: receiving at a financial planning engine of an institution system a plurality of financial goals from a user via an email or a website; receiving at the financial planning engine from the user a plurality of user-specified financial goal attainment probability inputs, each probability input associated with a different one of the financial goals; generating using the financial planning engine a financial plan based on the financial goals and the user-specified financial goal attainment probability inputs, the financial plan comprising a plurality of financial budgeting recommendations to attain each of the financial goals with the associated user-specified financial goal attainment probability inputs; and providing the financial plan to the user.