Flexible Retirement Planner Support Forum

Another option would be to just increase your annual spending/expense budget by some guesstimated amount, and perhaps increase it by whatever the CG tax would be on the taxable amount of your portfolio’s estimated RoR is. It won’t be totally precise, but at least you’ll have something in there for s...

FRP isn't really "trying" to have a positive portfolio value at the end of the plan. It just works out that a plan with a high probability of success is very likely to have a large portfolio balance at the end. In a sense, the large ending portfolio value gives the plan the cushion that a...

I upgraded to a paid subscription to FRP because of the great features it has that help me do the calculations for risk-based guardrails. Just wondering if anyone else here uses it for that, and if so, what your methodology is? I’m basing mine on a couple of Kitces articles that describe it. The fir...

Regarding SSA payments and COLA, in the After Tax Income in the detailed view I see my SSA show up in the year I chose, and then eight years later it jumps up when my wife starts claiming. None of the values are showing any inflation/cola increase - they're just held constant throughout all the year...

Thanks, Jim. I went back at read through my SSA statement and found the information on there confirming what you said - the projected amounts SSA provides are in today's dollars. So inflating them through to the year you claim is correct. However I think I may plug in a custom inflation amount for t...

The planner begins adjusting all amounts for inflation from the start of the plan, not from the start of retirement. So there's no need for any manual inflation adjustments. How about for Social Security. For instance, in our plan we have my wife holding off claiming for another 12 years or so. Whe...