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Tags: Bequest, estate

Hi, I have a question about the estate calculation. In my example I am married and have 350,000 in housing equity and both my wife and I have bequests. Looking at the estate tabs, the full 350,000 housing equity is counted in both of our estates.

I don't quite understand how this calculation works. I entered 6% nominal return for retirement accounts, but on the Retirement Accounts Report the amount looks like 3% or less. 1st line is as follows:

Since life expectancy continues to increase, it seems reasonable that ESPlanner's maximum age of life (demographics tab) could be extended past age 110. Perhaps this would slow down some calculations, but I'm guessing this would only be for users who implement age 115 or 120 years.

Tags: Real Estate

owned numerous rental unit, unable to assign different rent to each respective property. They all show the same amount. When I input a new one, the program wiped out the old amount and all properties show the new revenue and expense. Does the property only allow 5 properties ?

I'd like to set up a 72t annuitization of some of my retirement assets. I've allocated a percentage in the Smooth Withdrawal window. I left everything to their default values in the Choice of Annuity screen.

Tags: key ages

I'm writing regarding the following appears in the 'help' blurb when viewing this tab in Retirement are asked to input

"Age of last contribution to retirement accounts."

Tags: withdrawals

Under Retirement Accounts/Smooth Withdrawals I'm given the option to reorder withdrawals from Individual Deductible Accounts, Employer Accounts and ROTHs. The program always spends from Regular Assets first. Is there an option to spend from retirement accounts first, then regular assets?

I would like to see the option to input an investment management fee percentage which would show as a spend item in the reports. This would naturally reduce the SOL.

It would be great to be able to easily reset your profile to the immediate previous version with a single click on a "back one" button.

I am 58 and have two children age 8. I'd like to start social security at age 62, suspend it after FRA, and start it up again at age 70.
How do I do this in ESPlanner Plus?

For purposes of figuring tax basis for my rental property, the original building date of service was in 2004, original cost of $77,648, and accumulated depreciation of $21,821 thus far, leaving a basis of $55,827 to plug into the current year of my depreciation schedule (which I would enter in th

Seems like we used to get an email when new updates were released. 2.3.0 and 2.3.1 were recently released, but I only learned that because of a version mention in the previous forum post. Are you still sending out update email notifications?

Tags: Optimization

Late in 2014, we had the 1st "optimization challenge" to see how much an ESPlanner profile could be optimized. The idea is to experiment and learn from each other on how to get more out of ESPlanner and to apply these insights for our own profiles.

I have seen one reference to Contingent Planning being covered in another video, but haven't found the video. I, to be honest, have no idea what any of the checkboxes mean. I use ESPlanner without it, but I have some time now, and would like to do some "contingent planning."


Is Federal Income Tax calculated and applied for withdrawals from 457(b) retirement accounts? Are the annual withdrawals listed in the Total Income report table before tax?

Tags: Reserve Fund

I don't understand how to use the reserve tab. I want to contribute a set amount of money annually to a reserve fund for a period of ten years. I want the money off limits until the end of the ten years. How do I use the input controls to accomplish this?

I am reading Kotlikoff, Moeller, and Solman's 2015 book on Social Security. Here are two questions about details that I cannot find answers to in the book.

Tags: withdrawals

As retirement account withdrawals are shown in today's dollars, how will I know what to withdraw in the future?

I claim-and-suspend. Mine are calculated as $40,638 for ages 71 through 73, then decline to $40,303 for the remainder of retirement. My wife's benefits similarly decline at the same age. What would cause that?



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