Flexible Retirement Planner Support Forum

Hello, You're correct that there's no direct way to account for advisor fees in the planner. However the workaround you suggest is a reasonable one. Also, it's important to consider that the default return/standard deviations used for each investing style are only educated guesses. No one really kno...

Just to make sure I have this straight, for my own scenarios, I should use the calculated value of 11%? I will play with the tax rate a little and see how much changing the rate affects the results. Great idea to try different tax rates to see how much it matters. It sounds like you put enough work...

What you've done with estimating the income tax rate sounds reasonable. It's always a pretty rough guess, but the more work you do on the estimate, the better it should be. The default at 20% was a rough guess that included state income tax. Also, keep in mind that the other tax rate - the investmen...

Sorry. I must be missing something here. I think you might be right that we're not understanding each other. The back-and-forth format of postings to an Internet forum can be a tough way to communicate. If you'd like, I'd be happy to talk with you on the telephone. I think a two-way communication m...

OK. I know that using a 3.5% inflation rate that numbers will double in 20 years. If the above is true, doesn't that mean that my 97% success rate is very wrong - given that everyone needs to double their number at the end of the simulation. That would mean that my success rate is actually closer t...

Moving on, is it OK that I have my current SSDI income under Annual Retirement Income on the main page? Or should it be in the additional inputs section under social security? My numbers seem to vary wildly depending on where I put it... Hmmm. They shouldn't vary at all if you're exactly substituti...

Maybe there's something strange going on with your version of Java or your browser that's causing you not to see all the choices. The drop-down boxes all have scroll bars on the right hand side and you'll have to scroll down to find the choices you need. Here is a screenshot from just after I clicke...

I clicked into Additional Inputs and I've no idea how or where to indicate that I'll be saving 8K from year 44 to 54. Can you be very specific? Sure. Look in the bottom half of the additional inputs window at the "cash flows" section. Set the Cashflow Type to "Taxable Savings" S...

I showed my results to a mentor I know and he said, "It looks like this model assumes that you are just taking out 28,000 every year 10 years from now. What? Shouldn’t that number first be advanced by the rate of inflation between 2011 and 2022? Then shouldn’t expenses rise at the rate of infl...

Hi, I think the confusion is due to the fact that all values are shown in today's value dollars. So an amount that exactly keeps up with inflation will be shown as staying constant (eg real value never changes) throughout the years. I do see a couple potential issues with those inputs. I noticed you...