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'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.

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.

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?

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 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!

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 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.

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