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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.

Tags: FICA, FICA taxes

My wife has no earned income, but ESPlanner is showing her as paying FICA taxes every year. What is driving this?

I am a US citizen currently residing in Malaysia. Can E$Planner accommodate the tax implications of foreign residence? Thanks!

I just bought ESP Plus yesterday, and have created one "family" for myself. I created two other sample families and immediately deleted them, but the program now will not let me create any additional families -- it says I only get 4. But I only have one! Please help.

When ESP is generates reports they are opening in Excel {Compatibility Mode]. There is only one workbook and no tabs as in earlier reports.~H.

Tags: pension

I have an entry in the Pensions tab for a previous year (2012) for a pension that has 0 inflation indexation. In the reports the value for the pension for 2015 has been discounted from the value that was entered in 2012.

Hi,

I have some questions about the Life Insurance Recommendations. I have read the User Manual and other posts about Life Insurance so I believe that I understand the systems' approach but am still a bit unclear about the recommendations and how to properly interpret it.

Is there documentation on how to import "Past Covered earnings" in ESPlanner.
I do have an ssa.gov account.
What are the steps to use the "Paste Earnings Data from ssa.gov"
I keep getting the message "Could not find data to import."
Thank you
Tom

Tags: PDF

After my latest download, there is a watermark on the report that says www.pdflib.com. This serves no purpose, and makes the report unreadable. How do I remove it? My email address if fantilis@optonline.net

Specifying D or TD in Pension and Annuities tab has no effect on annual payout of pension. The pension shows a 3% decline per year in both cases. How do I get this to report correctly?

Tags: IRA

I saw and was able to understand the previous tip from 2014 on how to model non-deductible IRAs future contributions in the special expenditures and special receipts tab. My feeble mind is having trouble figuring out best way to model an existing non-deductible traditional IRA balance.

With my current set of inputs, my current discretionary spending is negative. This obviously isn't true, so I'm assuming I have a problem with my input data but am having a problem tracking down what it might be. Can someone explain how current discretionary spending is calculated?

How do I reflect an inherited IRA from my spouse to me? Seems the software reflects total withdrawal at her our anticipated end of life and hence large tax hit. As I understand it I can inherit her IRA and not take a major withdrawal.

I am using ESPlanner using parallels which is fine, but am having problems creating the excel files. I do not have Excel running on windows, but was hoping to create the excel files and then use my Mac version of excel to open them. Any hints?

I have several special expenditures within the next 10 years that would not exist if I die before their schedule dates. When I activate Contingent planning I delete them from the special Expenditures database.

Tags: Roth IRA

Running reports and noticed that I have no balance data (all 0) in the Roth IRA column of the retirement accounts detail report. What can be wrong?
Clark

It only asks for annual premium instead of the initial lump-sum payment. I would like to see the impact of buying a fixed income deferred annuity for us, but, the ESPlanner doesn't seem to be built to take that into account. Please help.

When I model Roth rollovers to leave to my kids, I do so by making special withdrawals from our retirement accounts then matching special expenditures (non-tax related). These matching special expenditures essentially remove the money from possible use in calculating our living standard.

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