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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.

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I am retired at age 62. I want to plan for level consumption. Since I am planning to defer social security until 70, I expect to draw more heavily on my retirement accounts until social security kicks in. In ESPlanner, the draw is the same each year.

Two years ago, on my 66th birthday, I filed for social security benefits and immediately suspended payments until I reach 70. On the same day my wife, who is two years older, filed to receive spousal benefits.

Tags: taxes

Is there any documentation of ESPlanner's federal income tax calculations?

The amounts shown in the ESPlanner tax report are $55k, but my federal income taxes have been in the $70,000 to $75,000 range.

Tags: 401K, Roth

I am trying to do a simply trade between contributing to a traditional 401K versus a Roth 401K. I tried simply running two cases one with traditional contributions, then one with Roth contributions. I was looking for comparison in my reported consumption.

What index is being used for the asset Large Cap Stocks? Is there a list of the indexes used for the assets that come with Esplanner?

Tags: creating PDF, PDF

When I try to Create a Report into a PDF, the report prints a bunch of nonsense symbols into a NotePad file. I have Adobe Reader XI installed.

I do not have Excel installed, so this is not an option.

I'm running ESPlanner on a Mac in the Windows Bootcamp environment.

I've Retired early and I'm income constrained for a few years until Social Security begins. Is there a way that I can have ESP increase withdrawals from my IRA's for a few years to increase (and smooth) income.

I just purchased ESP and my wife and I are not clear on how the spend down is done.

Tags: monte carlo

Sorry I'm a newbie. I looked on the forum and the help file. Could someone please explain the meaning of the "Projected Trajectory" of standard of living (recommended consumption) column shown in the Monte Carlo Trajectory_Living Std report. Thanks.

What are other ESPlanner users assuming for investment rates of return, annually, over the next 20-30 years?

In the “Planning Method | Monte Carlo | Spending Behavior” window, the options to specify aggressive, cautious, or conservative spending behavior exist.

Hi -

This maybe an unfair question to ask in this forum.

However, I am wondering if anyone is familiar with using both ESPlanner and Torrid-Tech Retirement software.

Tags: monte carlo

What does a higher precision simulation do differently than standard precision?

Can you better explain what counts as a special expenditure?

Tags: monte carlo

I am having great difficulty understanding the reports. The manual uses numerous terms of art without defining them. As a simple example, the term "living standard" is never defined. Why is living standard different from consumption?

Can someone elaborate on the two dividend and capital gain assumptions? There is little in the Help or Tutorial about them. A few questions and comments are below: