Flexible Retirement Planner Support Forum

It's not uncommon for the portfolio value graph to increase throughout your plan, even as you're taking regular withdrawals. In fact, this is often the case when you create a plan that has a typical 85% or higher probability of success. But keep in mind that the graph shows the median (50% percentil...

When you say your income keeps increasing, what output are you looking at that's telling you this? In general, when you're seeing confusing things from the planner, it can help to set the spending policy to stable, which turns off the dynamic withdrawal feature of the program. This feature is explai...

As you suspected, the Taxes due on RMDs only apply to RMD withdrawals. The second column in from the right called "Taxes On Withdrawal" shows the taxes due on any withdrawals from the tax deferred portfolio that aren't done for required minimum distributions. The taxes due on capital gains for taxab...

The planner only uses the Average Return and Standard deviation inputs. The investment styles and corresponding asset allocations are only shown as example portfolio that might be used to generate the return/standard deviation pair that ultimately gets fed into the planner. So setting an avg return/...

When I upload a copy of the downloaded .exe to virustotal's online file scanner (not the URL scanner), I also get 1 out of 56 engines reporting a positive. VirusTotal reports that the positive is from Antiy-AVL. I've emailed Antiy-AVL suggesting this is likely a false positive and am waiting for a r...

My best guess is that this is a false positive or the installer is getting modified after the download. I just did a quick scan using virustotal's URL based online scanner and it comes up clean. You might try first using the URL based scanner here: https://www.virustotal.com/gui/home/url and put in ...

The Java WebStart applet version of the program doesn't save data, but I'm assuming you mean the downloaded standalone version of the program and not the applet. If that's the case, you just need to find the folder where you saved your .frp files. If you're unsure, try doing a save-as on the old com...

Yes. That sounds right. The negative savings cash flow "feature" is really sort of a hack that comes with the caveat that the user is responsible for manually handling taxes due and any early withdrawal penalties. Originally, there was a check in that logic that prevented users from entering negativ...

The program was made with the US tax system in mind, however I've heard from several Canadians who have successfully used the program. The key thing is to make adjustments for differences between Canadian tax laws and US laws. One definite consideration is to understand how the program handles taxes...

With the standard deviation set to 0, the numbers should perfectly add up except for very slight differences from rounding errors. From what you've described, it sounds like you may be there already and you can now explain everything you're seeing completely. If that's not the case, I'd be happy to ...