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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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About half of my income right now comes in the form of stock that is vesting. This is resulting in high tax bills which must be paid in cash. To do so, I have to sell stock to cover the tax bill. What is the best way to enter this in the system?

There must be a reason but I don't see growth for SSA (hard to predict I know) or Special Receipts even though I did add a growth factor to Receipts.

Tags: SSDI

How should I enter disability payments in ESPlanner. Just treat it as ordinary income? I believe the IRS taxes it to 85% of its value depending on other income sources.

It discretionary spending starting in 2018 and as a result puts my spending in 2017 at 5x what I entered for subsequent years? How cna I get rid of these suggested consumption amounts. If I had that kind of consumption as a suggestions then the excess should go into savings.

I would like to add in all assumptions, pensions, annuities, investments and get a report to show me income return per year to expect including RMD at 70 etc. .

Just started using ESPlanner today, so this may be a stupid question. In the Assets and Savings, Current Savings tab, The Real Asset Income is pre-populated. Mine, for example is 1800.

I currently have two homes: my primary home and a vacation home. I am planning to sell my primary home in a few years and move into my vacation home.

Is the amount shown in "Regular Assets/Taxes" payment of the taxes for the previous year, which makes sense from a cash flow aspect, or is it the current year tax liability?

Tags: taxes

I'm retiring at 63 and won't take Social Security until 70. The Esplanner financial model withdraws an even amount of money from my IRA from 63 until death and that results in low incomes taxes from 63 until 70 and then much higher taxes after that when I start collecting SS.

My spouse is 69 and I am 67. I am currently getting spousal benefits and will get my increased benefit when I am 70. My spouse will get his benefit when he turns 70 this year. I put in my current monthly benefit and checked that I have filed for benefits but it did not include those benefits.

Tags: Balances

On the detail pages, are the values for the various accounts a beginning balance in that year or a year-end value?

I asked what is the best way to manage my IRA distributions so they are distributed to my wife upon my end of plan? We have a 5 year age difference and I am planning EOP for myself/her at 94/96 respectively. Based on the Total Income report, distributions end when I pass.

I previously asked a question on how to drive discretionary funds to my end of plan. In my case, I have accounted for projected annual spend within the housing entries or Special Expenditures (SE) area.
My goal:

I am a new user and trying to initially build a simple economics based model. I have a few areas that I've been trying to resolve and hope you can help:

Tags: PDF

In ESPlanner vs 2.35.2, on the "Assumptions" page of the PDF report the ages shown for "...Age of First Withdrawal For Retirement Accounts" and "...Age of Last Withdrawal for Retirement Accounts do not match the entries in the "Retirement Accounts/Key Ages" tab.

Unable to open ESPlanner - INSTALL on my macbook air.

Tags: Education

My first of 3 will be starting college this year and I can't see anywhere that accounts for the current education tax credit (up to $2500 under current law). This is a pretty significant credit and adds quite a bit to the bottom line. How does one account for this in ESP?

Hi, could you please explain how the maximum indebtedness value works or point me to an already answered question. Is this just a way to point out the shortfall in earnings that has to be made up or is it the loan you must take out and this begs the question of how the loan will be paid

Tags: Bequest

Instructions in the software state that some users use the Reserve Fund section to account for leaving money to heirs. How does the software treat this vs. Special Bequests in the Estate section? Not sure which to use...

My summary sheet is showing a large negative asset value. I have no loans or liabilities. I even zeroed out all the assets inputs but still get large negative values.
I could not find a resolution to this in the help questions.

Where do you think this might be coming from?

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