Flexible Retirement Planner Support Forum

It might be interesting to use sensitivity analysis to vary the investment tax rate, perhaps between an unrealistically low rate and an unrealistically high rate. This would give you at least a rough idea of how much the imprecision in investment tax handling might impact the plan's overall results.

But when I will model my retirement, most of the money in the taxable account is not taxable since it was the original investment. Only the gains are taxed, and they are only taxed at a %, and then basically taxed as income. The model carries the taxable portfolio at a 100% cost basis throughout th...

The cash flow names in the additional inputs window are mostly just labels to make it easier to track what each cash flow is for if you've created a bunch of them. The Misc Income, Pension, and Annuity cash flows all work the same way inside the simulation. Social Security is mostly the same, but th...

FRP isn't really "trying" to have a positive portfolio value at the end of the plan. It just works out that a plan with a high probability of success is very likely to have a large portfolio balance at the end. In a sense, the large ending portfolio value gives the plan the cushion that al...

The first step would be to list all the changes in cash flows that you expect (both income and expense cash flows). Next, identify if there would be any changes in assets that would need to be accounted for. Once you know what the cash flows would look like, you can use the lower table in additional...

Sorry, but you have to manually update your inputs whenever your circumstances change, even if the change is predictable like aging an extra year or adjusting your initial spending amounts for inflation that happened during the year. There's no code in the planner to do any of this automatically.

Unfortunately, the planner's model groups all assets into three portfolio buckets (taxable, tax deferred, tax free). There's no option to track separate assets outside of these three portfolios. Usually you can at least handle the cash flows from these types of assets by creating specific cash flows...

It looks like it just went out. Please let me know if you didn't get it. Unfortunately, there can be a delay of up to a couple of hours between when the payment goes through and when the license key goes out. I know that's not optimal and I apologize for any inconvenience this causes. If anyone expe...

Unfortunately, the combined deferred assets thing is just a hard limit in the planner. The more I think about it, the more I think doing special tricks/workarounds on this is more likely to confuse things than to help in the end. The more complicated the plan gets, the higher the chances you'll make...

That's a great suggestion Red Head. Thx for chiming in with it. - Jim