![]() ![]() ESPlanner, from my research into the matter, is the unique tool that allows us to do that. ![]() I did this after interviewing several financial planners, including major investment firms, and realizing that I was the only one really interested in tying together all these complexities with the goal of smoothing out our standard of living for the period of our lifetimes and, most importantly, giving us the ability to look at what tradeoffs different scenarios allowed. I used it to create our financial portfolio projections in 2005 under various job change scenarios, college tuition projections,spouse career planning, and final retirement projections. That was when I bought ESPlanner Plus on the basis of a short review in Consumers Report. In 2004, I was considering another career move and needed a financial planning tool to help the make the decision between job offers inside and outside government. Our family's financial foundation is complicated, but probably not that unusual for this generation. "I would like to take this time to tell how useful ESPlanner has been for planning my last career move, keeping our family's financial planning on a rational analytical footing, and helping me plan this last phase of my professional life as I approach 65 years of age. I do have a financial advisor, but this tool is most reassuring for me as I can play with different scenarios as much as I would like, where he can't.I'll have to show him ESPlanner next time we meet." - Bill Clark "This is a great package, and your support is always first rate. "ESPlanner is a great program and is giving me the confidence to prepare for retirement in a way that I thought was possible but was impossible to calculate any other way." - Michael Thompson, Engineer, Charlotte, NC ESPlanner's economics-based approach helps you see the problems and dangers in conventional financial planning."- Michael Rothschild, Professor of Economics and Public Affairs, Princeton University ESPlanner gets financial planning right by focusing on what matters - your standard of living - and by paying very careful attention to your taxes and social security. Especially enlightening is seeing which changes in assumptions have substantial or little impact on your maximum living standard." - Laurence Greenfield, Systems Consultant, Northfield, IL After you become more familiar with the program, whose learning curve is not that steep, you can examine your maximum living standards with a wide variety of assumptions. When you start, you can generate reports with minimal input. "The main advantage of ESPlanner is the depth of data, regarding assumptions about your economic situation, that you can input to determine your maximum living standard. Purchase ESPlanner Testimony from Individuals See this comparison of ESPlanner and MaxiFi Planner features for more detail. It does not currently include some features of ESPlanner, but does offer Social Security Maximization and Retirement Account maximization analysis. MaxiFi Planner is an online version of ESPlanner that works on any current device and Web browser. For those who would prefer working with a financial planner using ESPlannerPRO please view our list of planners that use our software who have indicated they can work remotely with clients. This one-on-one service does not include asset allocation advice or traditional investment advice. We also offer a one-on-one service for customers who would like someone to check their inputs and suggest strategies for raising their living standard as well as explain how to understand the reports. Anyone can use ESPlanner and understand the results. ![]() The program suggestions are all shown in today's dollars so there's no confusion regarding inflation. The software is very user friendly, and we provide excellent customer support. It also includes a feature called Upside Investing that allows you to run what Zvi Bodie calls "safety first" investing scenarios. Both programs help you smooth and raise your living standard, and calculate the living standard impact of financial and lifestyle decisions.ĮSPlannerPLUS includes Monte Carlo simulations showing you how your investment choices affect the level and variability of your living standard through time. Thousands of households are using ESPlanner and ESPlannerPLUSĮSPlanner and ESPlannerPLUS are detailed download personal financial planning software programs. ![]()
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