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.

Has anyone figured an efficient way to model retirement withdrawals from ROTH and traditional accounts?

Tags: Windows 10

I can't find any mention of your plan to support Windows 10. Is there a plan for a relevant release?

I want to model converting part of my traditional IRA to a ROTH IRA. Here is what I did is this the preferred approach?
1. In the "Retirement Accounts/Special Withdrawals" window I entered an amount to be withdrawn from my IRA this year 2015.

I don't understand how this report determines "Deduct". My interest, sale & real estate taxes and donations are about 18K now and I see $15.1K as a constant value over time. I understand the real cost of interest will decrease overtime.

How can ESPlanner be used to model the impact of extra monthly principal payments for a home mortgage on living standard?

I want to put my database in cloud storage so I can access it from different computers which are in different locations (Florida & Connecticut). Can you provide some detailed guidance on how to accomplish this?

OK, how do I get ESPlanner to let me control total spending? It came up with a number that is about double what we actually spend then draws down our regular savings to pay for it. Huh? I really don't care what ESPlanner thinks we should spend.

Over $100 difference between ESP(higher) and AnyPIA from S.S. downloaded program

I've created a comprehensive financial life plan. It's in today's dollars which makes it easier to However, I need to follow this plan for the next few decades. What are some recommended approaches for updating and following the plan over decades?

I'm planning to put my house on the market next year, to downsize. We'll sell the current house without having bought another, to remain more flexible in terms of market opportunities.

When I enter the lump sum payment, it treats it as a taxable event. I have been given the option of rolling over the payout to a self-directed IRA or my employers 401k plan. But I can't figure out how to enter it properly.

I want my stock allocation to reduce over time, perhaps -1% per year, sometimes called a "glide path". What are good ways to do this in my ES Planner model? Haave you tried this?

I am wondering how the Nominal Assets Income figure on the Federal Taxes Report is calculated.

Tags: annuity

Can someone suggest a public source of information about available annuities, without engaging a broker? I'm comparing the benefits of placing about 30% of my retirement assets in a fixed annuity, at retirement.

I would like one table that tells me and my wife, for my a given level of spending, the required smooth withdrawal rate and the effect on my assets over the time horizon. When I do this in Conventional Planning I get a huge level of spending in the current year.

Hi All-

Given the precarious financial state of SS, I am wondering what adjustments are being made by users as to benefit taxation or reductions. ESP clearly allows for you to adjust some parameters and by different dates. Anyone come up with reasonable ideas?


My wife receives a non-covered pension from a state teachers retirement system. She receives a flat amount, not a percent, of a COLA increase annually (e.g. $800/yr). I entered her pension as non-covered with zero % annual increase in ESPlanner.

1. Expenses tab, item #5: Is the growth percentage real growth over and above inflation rate?

It would be nice if ESPlanner allowed an input for non-spousal inherited IRA's. Is this something that might be considered in the future? It seems like it would be easy enough to do - just add the decendents date of death and then the account balance.

ESPlanner does not seem to be implementing a WEP reduction to my social security benefits. My situation is the following: I am 70+ and began receiving SSA benefits a few months ago based on covered employment early in my career.