Penny Puddle, the human-powered financial planning web site, is officially in beta. The beta test is currently only available to closed group of users, but the site will go live in January and be available to the public. Penny Puddle is a new service that replaces expensive financial planning boutiques (which can charge thousands for a financial plan) with an affordable online option that’s powered by real people. I’ve been working closely with the founder, David Podley, to get the site ready to go. Stay tuned for details.