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Case Studies: Raising Your Living Standard

These case studies show you ways to raise, smooth, and protect your living standard and how to price life-style decisions in terms of your living-standard.

Title	Case Type
What's It Really Cost To Live In Seattle?	Pricing Your Passions
Work Less Longer	Pricing Your Passions
Taking Advantage of the 2009 First-Home Buyer Credit	Pricing Your Passions
Taking A Flyer On Fly Fishing	Pricing Your Passions
How Much House Is Too Much House?	Pricing Your Passions
Sending Wunderkind to Boarding School	Pricing Your Passions
Spend Defensively If You Invest Aggressively	Protecting Your Living Standard
Buy the Right Amount of Insurance	Protecting Your Living Standard
Account for Children When You Buy Life Insurance	Protecting Your Living Standard
Invest Safely	Protecting Your Living Standard
The 529 Solution	Raising Your Living Standard
Shacking Up With Mom	Raising Your Living Standard
There's No Place Like Home For Saving Taxes	Raising Your Living Standard
Should I Take My Pension in a Lump Sum?	Raising Your Living Standard
Convert Your IRA to a Roth!	Raising Your Living Standard
The Bottom Line is Your Living Standard	Raising Your Living Standard
Which Mortgage Should I Take?	Raising Your Living Standard
When Should I Take Social Security?	Raising Your Living Standard
Contributing to the ROTH or IRA	Raising Your Living Standard
Equitable Alimony	Raising Your Living Standard
Order of Withdrawal	Raising Your Living Standard
Pay Off Your Mortgage	Raising Your Living Standard
Shedding Extra Homes	Raising Your Living Standard
Which Job Offers the Highest Living Standard?	Raising Your Living Standard
Timing Retirement Account Withdrawals and Taking Social Security	Raising Your Living Standard
Beating the Tax Man	Raising Your Living Standard
Annuitizing Your Assets	Raising Your Living Standard
Helping Clergy Plan Their Retirements	Smoothing Your Consumption
The Commonsense of Consumption Smoothing	Smoothing Your Consumption
Smoothing Consumption vs. Online Calculators	Smoothing Your Consumption
The Market’s Crashed! How Much Can I Spend?	Smoothing Your Consumption
Making it Simple	Smoothing Your Consumption
Save or Else!	Smoothing Your Consumption
Rules of Dumb	Smoothing Your Consumption

Recent Case Studies

What's It Really Cost To Live In Seattle?

Work Less Longer

Taking Advantage of the 2009 First-Home Buyer Credit

Taking A Flyer On Fly Fishing

How Much House Is Too Much House?

Sending Wunderkind to Boarding School

Spend Defensively If You Invest Aggressively

Buy the Right Amount of Insurance

Press Reviews

"ESPlanner's approach to financial planning profoundly challenges well-known programs. . . and is the most comprehensive."

BusinessWeek

". . . if you demand the deepest and most powerful financial planning engine, look no further."

The Washington Post

"ESPlanner's life-cycle smoothing determines the highest possible living standard you can maintain for the rest of your life.

Investors Business Daily

"ESPlanner determines the highest possible living standard you can maintain for the rest of your life."

—Investors Business Daily

Endorsements

"I am fascinated with the product and am telling others about it. I believe it is the best personal planning tool I have seen."

—Roger Gehle, CPA

"ESPlanner is giving me the confidence to prepare for retirement in a way that I thought was possible but was impossible to calculate."

—Michael Thompson, Engineer, Charlotte, NC

"This is a great program. With product support like this, I'm sure users are never disappointed."

—Jim Meyers, Hospital CFO, Bloomington, IN

"I cannot imagine a better package. ESPlanner answers the key question: how can my family maintain its standard of living over the long run?"

Zvi Bodie, Professor of Finance and Economics, Boston University School of Management

ESPlanner provides the most accurate forecasts and projections of any financial planning product I've seen.

Rick Miller, PhD., CFPTM, Sensible Financial Planning, Cambridge, MA

"Having a well thought-out academically based model is a welcomed and valuable tool."

Brian Berberet, CFA, Carrick Bend Advisors, LLC, San Mateo, CA

"Fantastic! ESPlanner makes my life-cycle model operational for people everywhere to use."

Franco Modigliani, Economics Nobel Laureate

"ESPlanner's consumption-based planning could dramatically change the way we think."

Robert Glovsky, Director, Boston University's Program on Financial Planning and President, Mintz-Levin Financial Advisors

ESPlanner is a key tool I use in the process to create tailored investment portfolios and strategies for my clients."

—Brian Berberet, CFA, Carrick Bend Advisors, LLC, San Mateo, CA

I am blown away by the detailed tax work in the program. This is one of my biggest complaints about other programs out there."

—Joel Nance, ClearPath Financial Planning

"I have tried the Price Waterhouse's Retire Secure, T.Rowe Price, and Retire Ready products. Yours is the best."

—Lester S. Arthur, New York, New York

"I got ideas from my use of ESPlanner that were easily worth more than the program cost. Please keep up the good work."

Mark Lyon, small business owner, Austin, Texas

The combination of your brilliant program combined with the good support is an incredibly valuable offering.

Steve Rothman, clinical psychologist, Bellevue Washington.

Recent Press

Why Social Security Benefits Require Careful Study

U.S. News

The 3 Rules for Increasing Your Social Security Benefits

Yahoo

Retirement Researcher Blog

About.com

Contact Economic Security Planner, Inc. U.S. Patent Number: 6,611,807 Privacy Policy

RSS

Disclaimer: ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO, are educational calculators designed to give users input in mapping out financial futures, but should not be acted upon as a complete financial plan. The creators of these programs are not certified, registered, authorized, or any other type of financial planners. These programs are simply tools for helping you think through economic futures. Its "recommendations" should be viewed as informative inputs into your own decision-making with respect to saving and the purchase of life insurance. ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO provide neither economic, financial nor tax advice, which can only be delivered to you by authorized professionals.

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Case Studies: Raising Your Living Standard

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