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Tags: monte carlo

If this has been answered, please just direct me to the answer.

For a married couple, does ESPlanner use the "Married Filing Jointly" tax tables or does it also calculate "Married Filing Separately" and then selects the lower tax option?

I have a question about modeling a retirement account. This account is held by one company, and 25% of the total is held in a fund that guarantees around 5%. The remainder is held in a stock fund that fluctuates with various factors.

The economics based planning has me setting the assumptions for returns on my regular (taxable) and retirement account investments. My regular accounts are mainly in a Schwab broad stock index ETF plus some individual stocks; I set this category to 7.5 percent.

Tags: monte carlo

My assets are in various TIAA-CREF accounts. Has anyone done the analysis to determine which ESP MC assets would model various TIAA-CREF accounts?


Tags: saving

Hello, I deleted my savings for the first two years of $10,000/year and the .pdf report still shows those amounts as part of the spending. Any way to get the report to reset?

Regular assets include cash, money market, mutual funds, etc. It appears that all regular assets are lumped together when implementing (selecting) a portfolio in monte carlo mode. Obviously, each of these asset classes have different rates of return. Are these classes treated differently?

Tags: FICA, medicare

I have two questions:

1. My reports show small amounts of FICA taxes paid for both spouses starting at ages 72 and 71 and continuing until death. We won't have any wage income, so what does this mean?

Tags: monte carlo

I am in the Monte Carlo options, specifically Implement Portfolios. How do I have 2 portfolios point to my retirement account? I am only able to choose one but have 2 IRA accounts. Do I need to combine everything into one or is there a way to choose two? Thanks, Jim

My wife's ex-spouse died and she's now going to receive a 50% increase in her SS benefits because 100% of his benefit when he died is greater than the benefit she is receiving based on her earnings.

Tags: download

I recently purchased ESPlanner Plus. I downloaded it to my desktop computer. Can I also download it to my laptop?
Bill Stant

Thanks for the great improvements to ESPlanner!
I've notice what I think are two errors.

Tags: assets

In arranging my portfolios (taxable, retirement) in Planner Plus, the pre-defined asset choices available do not include a full set of bond (fund) choices, such as short-term and intermediate-term corporate bonds, mid-cap domestic stocks, etc.

Tags: withdrawals

I understand that the program tells you how much to withdraw each year in retirement from regular and retirement accounts, but if you have a mix of stocks and bonds in a regular account, it does not tell you the relative portions of bonds vs. stocks to liquidate each year.

I'm trying to model a move, including selling my current house and using the proceeds as a balloon payment on a new house mortgage. If I put down a 20% down payment on the Change of Home panel amortized over 15 years, that will get reflected in the housing report.

Tags: mortgage

I rolled my information over to 2016 and notice that the annual mortgage payment in the housing report does not equal my monthly mortgage payment x12. It's approximately $1000 less than it should be by my calculation.

I live in CA, which has capped the nominal increases in property taxes (with some exceptions that don't presently apply to me) at 2% per year.

I want to enter an installment sale of real estate. I presently own the interest and will sell it in a few years. In the meantime, I receive rental income. Once I sell it, I will receive installment payment of principal and interest for seven years.

My wife and I are eligible for post-retirement medical benefits arising from her employment. Once we are both on Medicare (at age 65), all of our Part B and other medical insurance premiums will be covered by the (then) former employer's plan.

Since returns for regular assets and retirement accounts are set using nominal rates, does adjusting the inflation rate in a future year reduce the real returns going forward?