Flexible Retirement Planner Support Forum

Thanks for your quick followup. The program seemed so powerful that it looked like it would be able to track incomes from 62-66 and then track retirement from 66-90. If I understand correctly, the program should mostly do this, but maybe I'm confused. The idea is that there's no need to track incom...

Generally, the planner doesn't need to track income and expenses before retirement. Prior to retirement it only tracks contributions to your portfolio (savings). So you shouldn't need to make adjustments for income or expenses as long as these contributions are before retirement starts. To enter sav...

I'm a little confused by your last post. You say you deleted all files, but I suspect you meant you deleted all scenarios. The scenario drop down controls which scenario is active and when you select a different scenario, the inputs on the main screen, in additional inputs, and in settings should be...

mallen531, I'm glad you're finding the planner helpful and thanks for posting the question. I suspect the behavior you describe is because the program always selects the first scenario found in the file at startup time. The program doesn't remember the last scenario you used. If the first scenario i...

That seems reasonable, but I'm not in a position to give personalized financial advice. I'd suggest taking a look at the link above and visiting the 'help with personal investments' area of that forum. There seem to be several knowledgeable posters there who will gladly answer detailed personal fina...

I read that it is better to withdraw from taxable accounts first and let the rest grow until needed . Is this correct??? I wonder if there is a tool that provide this kind of recommendations. best, Y Starting with an assumption that it's best to withdraw from taxable first doesn't seem unreasonable...

Thanks for posting. I'm not positive I understand the question entirely. The short answer is that the planner doesn't incorporate any special logic for this sort of thing. Withdrawals are taken from your taxable, tax deferred, and tax free portfolios in the order you specify in the program settings....

I've noticed that the program takes a little longer to launch with the newest version of Java (about 3-5 seconds). I'm not sure what they've changed, but I don't think it's anything on my end. I don't have a mac, but on Windows and Linux (ubuntu 14.04), the program always appears eventually. You mig...

Unless I'm mistaken, additional inputs can support this today. Use the 'Tax Free Savings' option of the drop down in the lower table of additional inputs. The trick with this approach is that in general, funds for savings contributions materialize out of thin air. During the years before retirement,...

Anything is possible, but that part of the code has been pretty heavily vetted over the years by hundreds of thousands of users. For the taxable portfolio, investment taxes are automatically deducted from each year's growth behind the scenes. The simulation assumes that the taxable portfolio has a c...