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Over $100 difference between ESP(higher) and AnyPIA from S.S. downloaded program

I've created a comprehensive financial life plan. It's in today's dollars which makes it easier to However, I need to follow this plan for the next few decades. What are some recommended approaches for updating and following the plan over decades?

Tags: Real Estate

I'm planning to put my house on the market next year, to downsize. We'll sell the current house without having bought another, to remain more flexible in terms of market opportunities.

Tags: Pensions

When I enter the lump sum payment, it treats it as a taxable event. I have been given the option of rolling over the payout to a self-directed IRA or my employers 401k plan. But I can't figure out how to enter it properly.

Tags: assets

I want my stock allocation to reduce over time, perhaps -1% per year, sometimes called a "glide path". What are good ways to do this in my ES Planner model? Haave you tried this?

I am wondering how the Nominal Assets Income figure on the Federal Taxes Report is calculated.

Tags: annuity

Can someone suggest a public source of information about available annuities, without engaging a broker? I'm comparing the benefits of placing about 30% of my retirement assets in a fixed annuity, at retirement.

I would like one table that tells me and my wife, for my a given level of spending, the required smooth withdrawal rate and the effect on my assets over the time horizon. When I do this in Conventional Planning I get a huge level of spending in the current year.

Hi All-

Given the precarious financial state of SS, I am wondering what adjustments are being made by users as to benefit taxation or reductions. ESP clearly allows for you to adjust some parameters and by different dates. Anyone come up with reasonable ideas?


Tags: Pensions

My wife receives a non-covered pension from a state teachers retirement system. She receives a flat amount, not a percent, of a COLA increase annually (e.g. $800/yr). I entered her pension as non-covered with zero % annual increase in ESPlanner.

Tags: Real Estate

1. Expenses tab, item #5: Is the growth percentage real growth over and above inflation rate?

It would be nice if ESPlanner allowed an input for non-spousal inherited IRA's. Is this something that might be considered in the future? It seems like it would be easy enough to do - just add the decendents date of death and then the account balance.

ESPlanner does not seem to be implementing a WEP reduction to my social security benefits. My situation is the following: I am 70+ and began receiving SSA benefits a few months ago based on covered employment early in my career.

Tags: monte carlo

I have defined Default as the portfolio for my wife's and my retirement assets, and Portfolio 2 for our non-retirement assets.

I have gotten much out of the use of ESPlanner over the years, so thanks!

Tags: Excel

I'm getting error message: "An unexpected err has occurred:
Error Number: 1004
Error Desc: 'C:\Users\Bob\Documents\My ESPlanner\xxxxx.xls' could not be found. Check the spelling of the file name, and verify that the file location is correct.

Tags: monte carlo

I'm just starting to play around with user-defined assets.

Why is there no “relative risk” for new funds that I’ve added? Does this matter? Will this affect the way Monte Carlo results are calculated?

Tags: Balances

I could've sworn I knew the answer, but can't find it documented to confirm.

Are balances --- e.g. Net Worth report for 2015 -- reflecting the value as of 01/01/2015 or 12/31/2015?


Tags: monte carlo

I have been playing with ESPlanner for the better part of a month, and like Dan Royer, I have come to rely primarily on the simple “economics-based planning” method, even though the Monte Carlo capability was an attractive point in choosing the software.

Tags: withdrawals

The User Manual indicates that, at least for retirement accounts, that withdrawals will occur in the order specified on the Smooth Withdrawal screen, i.e. say IRA's before Roth IRA's.


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