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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, use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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I have a couple of specific questions about the "Monte Carlo Spending Behavior & Portfolio Characteristics" section of the PDF Reports under "Inputs and Assumptions" that I hope you can answer.

I entered a change of first home (primary), but the reports do not reflect the result I expected. Our current home is (sadly) not appreciating so I entered a negative appreciation rate to offset the inflation rate. So the value of the current home should remain stable.

Tags: Pensions

I entered Pension amounts, and on the Non-Asset Income report it shows the Pension is decreasing by 3.3% a year. When I entered the pension amount, I entered a 2% inflation. So why is the report showing a 3.3% decrease each year? This happened with both my pension and my husband's.

Tags: Optimization

Just curious if others would be interested to see how/how much various profiles could be optimized. Sort of a challenge or game where we could learn from each other on how to get more out of ESPlanner and potentially to apply these insights for our own profiles.

Tags: monte carlo

I want to model my stock/bond ratio changing over time. E.g. I start off with 70/30 and expect to end with 0/100. I model this by using Monte Carlo and creating a portfolio for each decade or so with the set stock/bond ratio for that decade.

How do you account for a Government Pension Offset (GPO) for my wife. She will not receive any of my Social Security benefits because she receives a Teachers pension.

I have a 401k Profit Sharing Plan that consists of pretax Employee 401k contributions and pretax Employer contributions and pretax rollover contributions. No Roth and No non-qualified plan funding sources.

I may have asked this before but don't remember the answer and can't find it here. The topic may help other users, anyway.

Why can't you choose 2014 (ie, current year)?

Tags: Roadmap

Can you share the software release roadmap for the next six months/year? What are you working on, what's coming? (Besides the usual yearly updates to SS, COLA, inflation, etc.) Thanks.

It looks to me like your search function does not search the text, but only the topics. Try searching for "inflation" I got a blank screen with that and other common terms.

Tags: Password

I am a home user of ES Planner. Can the program or profile be password protected? I searched the forums and have been unable to find an answer. I need to take my laptop to the computer shop and want to keep the information private. Thanks for the help.

According to Larry's most recent PBS article on Social Security, Mike has found some very specific circumstances where you can get one extra month of Social Security benefits. I'm assuming this will be available in a future release.

I tried to set it up to tell me how much my wife and I can spend if we want to leave each of our 2 kids $1M each out of a current estate of $3m -- we would spend less to do that, live off of SSA and pensions, etc, to preserve the $2m.

I've recently tried funding (modeled as being funded in 2014) the Reserve Fund and noticed that the Consumption column now has a 14% step increase on the 10th year of the resulting Total Spending page.

Tags: FICA

As you are aware, a Federal Employees Retirement System (FERS) pension is partially inflation adjusted according to the CPI as follows: increase in CPI up to 2% = FERS COLA same as CPI increase; 2 - 3% increase in CPI = 2% COLA; 3% or more increase in CPI = CPI - 1% increase in COLA.

I’d like to model an adjustable rate mortgage refinancing and need guidance.

I've been using ESPlus for almost 2 years and I have a question concerning how one should periodically update the program with actual asset performance.

When I switch planning method from econ based to "conventional" and enter my discretionary spending target and starting year the created report uses smoothing to draw down my assets to zero upon reaching my inputted "starting year". Anybody have an idea?

ESPlanner's life insurance recommendations continue to baffle me. I occasionally ignore them because I can't always explain them.

It has been my experience that you don't get the same interest rate for borrowing versus saving - hence banks make money. Does ESPlanner use the same interest rate for negative regular assets (i.e. borrowing money) and positive regular assets (i.e. money in a bank account)?

Can someone elaborate on the two dividend and capital gain assumptions? There is little in the Help or Tutorial about them. A few questions and comments are below:

A portion of my wife and I's state income taxes is exempt from tax income taxes. How do we account for that within ESPLanner?

Does the regular assets income column of the total income report include unrealized growth of assets (such as increase in a stock or fund price), or only interest and dividends generated by the asset?

My survivor reports for both me and my wife show a substantial negative number in the regular assets column. Where is this coming from?

Chris Fahey

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