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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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My husband has a variable annuity from his employer. The annuity screen appears to consider only fixed annuities. How can I enter this asset?

NY residents are exempt from State Income Tax on public pensions and 403b's (teachers, civil servants, etc).
How do we remove the state income tax ESP automatically calculates (and which then impacts std of living)?

I completed some energy efficient upgrades to my home which I am financing through a special assessment through property taxes. The increase in property taxes only lasts 20 years, but my plan goes for 30+ years. Any way to input that special tax?

Tags: Assumptions

I am trying to calculate the most accurate assumption to use in the "Two can live as cheaply as" field, using our (my husband and my) specific budget figures.

Tags: monte carlo

I'm inputting my assets so that I can build portfolios based upon the assets that I own. My latest entries do not seem to be saved. Is there a limit on the number of assets? If so how can I delete the assets you pre-populated in the program.

The directions have a "link" to get the asset return data from another source but it doesn't work. So, I want to copy and paste from excel the yearly returns of new assets so I don't have to manually enter them. I can't find in the directions how to do this. Can you tell me, please?

Tags: FICA

How can I suppress the FICA tax calculations? My current income is from deferred compensation and returns on financial assets. At the time of the income deferral both FICA and Medicare Taxes were paid on the deferred amount, and I do not have to pay twice.

How should hedge fund and private equity investments be entered? They don't seem to fit the categories in the program.

Tags: Mutual Funds

If you have an interest in investing in DFA funds without going through a private advisor, this blog post may be of interest. It doesn't work for me, but might for you.

I'm trying to figure out how to model the follow recommendation from your sister site "Maximize My Social Security ". The recommendation involves the younger spouse filing/collecting at 62 for 4 years to allow the older spouse to collect spousal until she is 70.

Tags: monte carlo

If this has been answered, please just direct me to the answer.

For a married couple, does ESPlanner use the "Married Filing Jointly" tax tables or does it also calculate "Married Filing Separately" and then selects the lower tax option?

I have a question about modeling a retirement account. This account is held by one company, and 25% of the total is held in a fund that guarantees around 5%. The remainder is held in a stock fund that fluctuates with various factors.

The economics based planning has me setting the assumptions for returns on my regular (taxable) and retirement account investments. My regular accounts are mainly in a Schwab broad stock index ETF plus some individual stocks; I set this category to 7.5 percent.

Tags: monte carlo

My assets are in various TIAA-CREF accounts. Has anyone done the analysis to determine which ESP MC assets would model various TIAA-CREF accounts?


Tags: saving

Hello, I deleted my savings for the first two years of $10,000/year and the .pdf report still shows those amounts as part of the spending. Any way to get the report to reset?

Regular assets include cash, money market, mutual funds, etc. It appears that all regular assets are lumped together when implementing (selecting) a portfolio in monte carlo mode. Obviously, each of these asset classes have different rates of return. Are these classes treated differently?

Tags: FICA, medicare

I have two questions:

1. My reports show small amounts of FICA taxes paid for both spouses starting at ages 72 and 71 and continuing until death. We won't have any wage income, so what does this mean?

Tags: monte carlo

I am in the Monte Carlo options, specifically Implement Portfolios. How do I have 2 portfolios point to my retirement account? I am only able to choose one but have 2 IRA accounts. Do I need to combine everything into one or is there a way to choose two? Thanks, Jim

My wife's ex-spouse died and she's now going to receive a 50% increase in her SS benefits because 100% of his benefit when he died is greater than the benefit she is receiving based on her earnings.