Flexible Retirement Planner Support Forum

All of the amounts shown in the planner are adjusted to present value dollars. This means that an amount that exactly tracks inflation won't change from year to year, reflecting that its purchasing power is unchanged. If you set the COLA type to no-cola, in the detailed view table you'll see the amo...

The first thing I'd suggest is to review the year-by-year detailed results table to make sure the program is doing what you think it is. In that view, you can select the "show more detail" radio button on the top right of the disply. Further, if you right-click on any column header, you'll...

Yeah, that's purely a system config thing and it doesn't affect any calculations made by FRP. In fact, FRP doesn't even know what symbol actually gets displayed there. It's all done between the OS and Java.

Have you tried rebooting since you changed the setting back?

Glad you figured out the font color thing. I have Java 21 on an ubuntu 24.4 VM and FRP was showing up fine for me, so I was looking into trying to get Java 11 working on my. I knew I had tried it in the past, but it's been a while so I thought maybe something got messed up. Anyhow, glad you figured ...

There are multiple ways to handle this sort of thing. You could reduce the value of the investment before you add it to the taxable portfolio to try to get more precision around the tax handling differences between the model and reality. This is really more of an art than a science, but I'd suggest ...

I could be mistaken, but I believe the estimates you get from social security are given in present value dollars, not future value dollars. As long as that's the case, you can just enter them as is into the planner. So in other words, if SS says you'll get $1k a month starting in 10 years, the actua...

The taxable portfolio is carried at a 100% cost basis. That means annual portfolio growth is taxed when it happens, so no taxes are due when funds are withdrawn from the portfolio.

Got it That makes total sense. I didn't realize you were dealing with such a relatively short time period.

I think that all makes sense. Based on what you've described it might make sense to just add a lump sum to the tax deferred or tax free portfolio that's adjusted to account for any tax discrepancies. You could check the impact of RMDs by going into settings and turning off RMDs just to see how much ...

The first decision you have is whether to model the annuity as an investment asset or as a cash flow. To model it as an investment asset you'll need to value it (as a lump sum) and place that lump sum in one of the three portfolio types (taxable, deferred, tax free). For this to work, you have to be...