All the Personal Financail Planning software I found just like Personal Accounting or just a Retirement Calculator. Where can I find a real Personal Financial Planning software which covered everything included my clear dept planning, risk protection, education and retirement planning?

Hi,
I can recomend you a piece of software I have been using lately and am quite happy with – Personal Finance Associate by Parcus Group.
Simple to use software with features incl. budgeting, financial planning templates, shares valuation, real estate investments analysis, life insurance, taxation calculator etc.
Definitely check it out at:
http://www.parcusgroup.com/
Great value for money for US$24 or AU$29 for a single user license.