Ask a Question

Use this Question Forum to ask questions about how the software works, how to model different "what if" cases, or other user-related question. If you have a support issue (something seems to be wrong with the software) then please create a support ticket. How to browse this forum: SCROLL and click titles to read complete question/answer, use the FILTERS below, pick from TOPICS on the list at right (think of them as folders), use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

Registered users may create a question here.

Enter comma separated topics or click from list at right
Enter a comma separated list of user names.

For purposes of figuring tax basis for my rental property, the original building date of service was in 2004, original cost of $77,648, and accumulated depreciation of $21,821 thus far, leaving a basis of $55,827 to plug into the current year of my depreciation schedule (which I would enter in th

Seems like we used to get an email when new updates were released. 2.3.0 and 2.3.1 were recently released, but I only learned that because of a version mention in the previous forum post. Are you still sending out update email notifications?

Tags: Optimization

Late in 2014, we had the 1st "optimization challenge" to see how much an ESPlanner profile could be optimized. The idea is to experiment and learn from each other on how to get more out of ESPlanner and to apply these insights for our own profiles.

I have seen one reference to Contingent Planning being covered in another video, but haven't found the video. I, to be honest, have no idea what any of the checkboxes mean. I use ESPlanner without it, but I have some time now, and would like to do some "contingent planning."


Is Federal Income Tax calculated and applied for withdrawals from 457(b) retirement accounts? Are the annual withdrawals listed in the Total Income report table before tax?

Tags: Reserve Fund

I don't understand how to use the reserve tab. I want to contribute a set amount of money annually to a reserve fund for a period of ten years. I want the money off limits until the end of the ten years. How do I use the input controls to accomplish this?

I am reading Kotlikoff, Moeller, and Solman's 2015 book on Social Security. Here are two questions about details that I cannot find answers to in the book.

Tags: withdrawals

As retirement account withdrawals are shown in today's dollars, how will I know what to withdraw in the future?

I claim-and-suspend. Mine are calculated as $40,638 for ages 71 through 73, then decline to $40,303 for the remainder of retirement. My wife's benefits similarly decline at the same age. What would cause that?


Using 2.29.4 and looking at the Annual Suggestions report, the LSPA is identical to the Discretionary Spending even though I am running the report for two adults and I assume that 2 can live as cheaply as 1.6. What am I doing wrong? Which column is correct?

It appears that ESPlanner builds a .xls file and attempts to load into Excel when the "Excel" option is chosen for Report output. However, I use Libre Office rather than Microsoft Office. When I try to create the Excel view, the program only throws out some error messages.

My wife and I are fortunate to have assets at a level where it is recommended we consider purchasing long-term care insurance.

My spouse has 17 years working in a state school district that did not take out social security (she essentially gets a pension, like social security, from the state).

How do I model selling my primary home and my vacation home becoming my primary home so that when I sell it 3 years later I can use the tax exemption?

My husband has just started receiving social security at age 62 benefits. He is 9 years older than I. I want to defer my benefits until age 70 and get spousal benefits starting at age 67. How do I set the dates in ESP? What I've tried doesn't show my spousal benefits

I am running version 2.29.4 of ESPLannerPlus (Build 492). I was starting to use the Monte Carlo section to add my real securities. After I clicked on the "New" button, I noticed this at the top of the "Define a new asset" dialog box:

Just wanted to say that I really like ESP. I'm hoping some retirees can chime in with their success stories about how they've successfully used ESP. Who has followed the recommendations year after year and has it worked out as you expected?

I'll admit, social security benefits calculations have always been a mystery to me; I've never taken time to sit down and calculate my potential benefits.

I've been playing around with the conventional planning method. The guidance in ESPlanner says:

Under the "Retirement Accounts -> Key Ages" tab in ESPlanner, I've configured smooth withdrawals from my retirement accounts to begin at age 60 and end when I turn 69.