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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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According to the SSA, ( if you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse’s or widow’s or widower’s

I've checked through the forum and have ask specifically on this issue, but still can't figure how to account for a Capital Loss Carryover. As an example, let say your Regular Assets consists of $1M dollars of Mutual Funds throwing off $30K in annual income from Capital Gains and Dividends.

I would like to do some what-if scenarios such as "what-if I don't have a pension." I'd like to do this without erasing any data, thus the reason to create a new profile and erase some data from it to see the result.

Tags: Roth

If you have a Roth 401k and a regular Roth IRA, do you just sum them and put the total in the Roth IRA field? (Assuming that's correct, I suggest re-labeling the field and report column to Roth IRA/401k.) Thanks!

Tags: FICA

In my reports Details>Taxes page, FICA taxes appear after my wife and I turn 70. We will have no income from labor (last labor earnings entry was for 2011), just from investments, pensions and social security. What is meaning of the FICA entries?



After using the online SS calculator, I put the results in ESP. We changed from my spouse taking SS at 66 and me taking at 70 to both taking at 70 with my wife taking spousal at 67. We plan to retire in 2015 and I am 7 years older than my wife.

In the Monte Carlo reports, the portfolios are described in terms of returns and beta. The label is portfolio 1, portfolio 2, etc. Since the user can edit those labels, why not replace "portfolio 1" with whatever the user renamed it as?

Tags: format

Dan, if you enter a search term and find a message, the link for registered users to create a new question allows you to create a new one. If you enter a search term and get nothing, the link is gone. You have to back out to get to where you can add a new question.

Tags: annuity, load

Can someone elaborate on how the load on annuities works within the program? I don't and won't have any annuities as investments. I'm using it only as a tool to model smooth withdrawals before SS benefits kick in.

Please extend the ability to set the child-adult equivalency factor past age 19. They might not be "kids" when they're 20, but they might still be dependent, at least partially. Not being able to adjust their relative cost as it changes limits accuracy.

Tags: assets

It's a pain, but I created a custom asset by replicating the XML format for one of the DFA funds. That way it's available to all profiles without having to add it multiple times. That also prevents data entry errors.

Tags: rss

Is there any chance of enabling an RSS feed for posts like we had on the old forum?

Thank you,


In the Special > Special Expenditures & Special Receipts tabs I've Cleared the Grid. So no values are displayed.

Tags: Website

The New/Unread filter option is overlaid by another filter option text when displaying the page in Chrome (don't know if it's happening in other browsers).

1. On the Assets & Saving > Current Saving tab, in the Net contribtuions to saving field do I enter a negative number if I'm withdrawing funds for living expenses or leave it at 0?

Tags: Website

Just thought you should know; you probably want to fix this.

Tags: format, forum, help

It seems like the web site changed? What happened to the forum format? It's hard to browse topics and just learn by reading now.

I have children who will be entering graduate/professional school and for whom we may need to cover tuition, room, and board, depending on the level of assistance provided by the schools.

Tags: Website

In the new web site I can't find where I can look at the most recent forum comments. I really liked that on the old web site. I would look at it every day to keep up on what people are asking and learn from it. Please tell me how to access it or if it is unavailable, please put it back.


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