What I have concluded is that the Basic version (at least) does not calculate life insurance correctly in situations in which credit constraints make it so that the standard of living cannot be fully smoothed over the lifetime (either in the actual results or in a survivor scenario).

I understand that the recommended life insurance is to allow the survivor to maintain the same living standard if a spouse dies before the end-of-life date set in the program.

We have been using ESPlanner for years trusting that it was accounting for the WEP calculation in our benefits. Our state pensions from non-covered employment are entered as "not covered" and our past covered earnings are accurate.

I have entered gift to children as a single payment at some date. What does "not tax related imply"?

I currently am fortunate enough to not require the full smooth withdrawal that ESP recommends. The smooth withdrawal model, however, generates a larger tax liability than I currently incur in reality.

I have a defined benefit pension in the form of a cash balance plan. At termination, a lump sum is available to me that I can take as an annuity, or roll it over into a tax-deferred account. (I can take it as a lump sum and not roll it over if I wanted to take a bath on taxes.)

How can non-income-producing vacant land, which is held for investment, be handled in ESPlanner? If I include it as 'Real Estate', I get an incorrect capital gain upon sale since the land is not depreciable and there are no improvements.

My understanding is that ESP calculates and adds life insurance when needed. I have seen discussions herein where it is stated that the premiums are added as expenses. Are the benefits also calculated in case of survivor reports?

What's the best way to show interest only personal loans such as margin loans?

Then if I project paydowns over, let's say a few years starting this year, are these payments shown as Special Expenses or loan payments as adjustments in Current Saving in Assets and Saving?