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I'm unclear about the survivor results in Contingency Planning when the Key Ages for converting my 403b and IRAs are set to a later date than the date I'll die (e.g., 70 for the accounts vs 66 for death).

I did a "maximize" on my base profile in Maxifi (I'm sure something similar would be the case in ESPlanner) and the net result was that it shifted a large amount of discretionary spending from pre-retirement to post-retirement.

I cannot seem to locate in the manual or previous questions how to incorporate a passthrough entity into ESPlanner Plus. I have passive ownership in a company that produces capital gains from revenue and primarily negative income from their expenses.

Tags: monte carlo

I'm hoping this is something simple I am overlooking. With the profile I have setup I just noticed something I can't explain. I can run an analysis with just Economic-Based Planning. I then activate the Monte Carlo option, with no other changes, and run another analysis.

First off, this is a great program! I wish I had it when I was 20 or 30.

Tags: MaxiFi

I’m curious about MaxiFi Planner. Unless I’m missing something, I can’t sign up on any sort of trial basis, but I don’t know if it will handle some of the things that affect my finances.

The Fortune 500 company I worked for went bankrupt and my pension was transferred to PBGC (Pension Benefit Guarantee Corp.). PBGC shows my pension is subject to a Social Security Offset Amount. On the Pensions input tab do I enter the annual amount before or after the offset is applied?

This is a retirement spending question. ESP assumes I will take the smoothed consumption and spend it. How would I model the case where I plan to just spend what I estimate I need, and to leave the remainder in place, or perhaps move it from tax deferred IRA to a taxable account?

How do I get the social security benefits to increase each year at the rate of inflation?

Tags: monte carlo

After reading through the release notes in 2.36 and 2.37 and looking at my Monte Carlo reports after recently installing 2.37.2 I have the following questions I hope you can answer:

I’m baffled.

I am considering making the switch and was wondering if Maxifi could be used to decide if a conversion makes sense. If so, how would I do this?

Thanks much!

I cannot find a definition of "dimensional" stocks to guide the categorization of my portfolio for Monte Carlo evaluation

Tags: home sale

Does the program account for the ability to exercise the Home Sale Tax Exemption of either $250,000 or $500,000? I didn't see an option to have that included in the sale of a primary residence. How do you manage to account for that? Thanks.

I assume when using Monte Carlo Planning that the Regular Assets Income on the Total Income Report shows the expected mean return for each year, taking into consideration years when historical stock returns are higher in some years and lower in others.

I have a question about minimum distribution requirements. I know the normal age at which you are required to withdraw is 70. However, I work at an academic institution and I am not required to begin minimum distributions until I actually retire from this institution.

Back in June 2017, I purchased the ESPlanner software and created my first plan using YTD data as of 12.31.16. I’m now at the point that I have all of our 2017 data, and ready to perform my 2nd update. I just wanted to know from any long-term user if there is a way I can do the following….

Is the "...Age at start of survivor report the end of the year the person reaches the selected age?

When I run a report with contingent planning activated I don't see any difference compared to the report with contingent planning deactivated. My wife & I are both retired in our late 70s.


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