Table of Contents

introduction

Introduction

How is ESPlanner Different?
Contingent Planning
Collect Your Data
Precise Taxes and Social Security
The Chicken or the Egg?
Social Security Calculations
Transparency
Developers

Learning Tools
System Requirements
Overview of the Software
Entering Inputs
Monte Carlo Results

Optimizing: Four Things to Consider
Monte Carlo Simulations
Borrowing Constraints
Building and Implementing Portfolios
Reports: PDF and Excel

Meet Joe and Sally
Entering Joe’s and Sally’s Earnings
Entering the Whitneys’ Special Expenses
Entering Estate Plans and Current Life Insurance Holdings
Entering Social Security Benefit Collection Dates
and Covered Earnings

Entering Whitney's Economic Assumptions

Calculating the Whitneys’ Plan

The Whitney’s Current-Year Recommendations
The Whitney’s Regular Assets Report
The Whitneys’ Detailed Reports

Joe Retires Early

Joe and Sally Do Contingent Planning
The Whitneys Accumulate a Reserve Fund
The Whitneys Have Retirement Accounts
Joe and Sally Expect to Receive a Very Large Inheritance
Joe and Sally Downsize and Retire in Florida
Joe and Sally Run Monte Carlo Simulations