ESPlannerTM 2000: Revolutionary Financial Planning Software - CD-ROM edition

"...if you demand the deepest and most powerful planning engine, look no further." -- The Washington Post ESPlanner, developed by Economic Security Planning, Inc., revolutionizes financial planning. Traditional financial planning makes you set your own saving and life insurance targets. This is hard and, if you set your targets too low, dangerous. ESPlanner finds your targets for you by doing life cycle consumption smoothing--finding the most you can spend today without suffering a drop in living standard tomorrow. ESPlanner not only calculates your family's highest sustainable living standard, it also determines the amounts of saving and life insurance you need to maintain and protect that living standard through time. ESPlanner delivers its findings in the form of annual spending, saving, and insurance recommendations. Whether you're working or retired, maximizing and smoothing your household's living standard isn't easy. Many factors are involved, including your household composition, assets, earnings, retirement ages, housing expenses and plans, special expenditures, estate plans, pensions, tax-favored assets, federal and state income taxes, payroll taxes, Social Security retirement and survivor benefits, desired changes in living standard, economies in shared living, and borrowing constraints. ESPlanner considers these and a host of other factors, including contingent plans and the fact that survivors may have different needs and incomes. ESPlanner also lets you vary key inputs, such as the ages at which you'll retire, collect Social Security retirement benefits, and start to withdraw tax-deferred assets, to determine how these choices affect your maximum sustainable living standard. Although its calculations are complex, ESPlanner's interface is user-friendly, and its recommendations are easy to follow. System requirements: Runs on Windows 95, Windows 98, or Windows NT v.4.0 with Service Pack 4. Minimum requirements: Intel® Pentium® II or faster processor (266 MHz) with 32 MB of RAM. Recommended: Intel® Pentium® II or faster processor (400MHz) with 64MB RAM. Here's what's new in ESPlanner2000: · Updated Federal Income Tax Provisions and More Accurate Calculation of Taxes on Long-term Capital Gains · Updated Social Security Benefit Provisions, including Pending Changes in the Earnings Test · Updated Social Security Tax Provisions · Updated of all State Income Tax Provisions and Much More Refined Treatment of Itemized Deductions · Simplified Controls for Inputting Dates · Ability to Save Results to Excel and Use Excel to Chart Results · Revised Manual and Tutorial