ESPlanner is a great program and is giving me the confidence to prepare for retirement in a way that I thought was possible but was impossible to calculate any other way.

I would like to take this time to tell how useful ESPlanner has been for planning my last career move, keeping our family's financial planning on a rational analytical footing, and helping me plan this last phase of my professional life as I approach 65 years of age. Our family's financial foundation is complicated, but probably not that unusual for this generation. In 2004, I was considering another career move and needed a financial planning tool to help the make the decision between job offers inside and outside government. That was when I bought ESPlanner Plus on the basis of a short review in Consumers Report. I used it to create our financial portfolio projections in 2005 under various job change scenarios, college tuition projections,spouse career planning, and final retirement projections. I did this after interviewing several financial planners, including major investment firms, and realizing that I was the only one really interested in tying together all these complexities with the goal of smoothing out our standard of living for the period of our lifetimes and, most importantly, giving us the ability to look at what tradeoffs different scenarios allowed. ESPlanner, from my research into the matter, is the unique tool that allows us to do that. So, as we look forward to the conclusion of my salaried working days, then retirement and possible relocation to another state, I am starting to fire-up the software again, and in a couple months be able to answer such questions as should we buy another house then, or rent? I wish you and your company great success, and hope that many more families such as ours discover ESPlanner.

Vicki and I have gone over our pre-retirement and post-retirement numbers many times....your consumption calculations are right on the money. And the retirement income probabilities match with what we get from Financial Engines. Note that with FE, one needs to guess or estimate retirement needs...something your program calculates! And I know of nothing else that figures consumption---I've been looking for three years. By the way, the average dentist in retirement (I've interviewed about 15 so far) lives on 30%-65% of pre-retirement income...similar to your much more extensive research.

Thanks for the prompt and personal response and the offer of your cell phone. It's much appreciated. I think this software and your thinking on this subject does all of us who are trying to plan in the real world a great service. It has certainly made me realize that putting myself on the financial equivalent of a starvation diet so that I can die with the most money in the bank is probably not the way to have the richest, fullest life!

This is a great program. With product support like this, I'm sure users are never disappointed.

ESPlanner has provided me with much confidence that I am on the right track.

ESPlannerPLUS is by far the most comprehensive financial planning software I was able to find. It was clearly designed by people with a deep understanding of the pitfalls and opportunities of a wide variety of retirement strategies.

ESPlanner stands alone in the life insurance planning field as the only approach that provides a truly objective and sound tool for lifetime life insurance needs planning.