• Complete Retirement Planner - When Will You Be Ready?
  • Complete Retirement Planner - Know Where You're Headed
  • Complete Retirement Planner - Reach Your Goals
  • Complete Retirement Planner - Retire With Confidence

The 2019 Complete Retirement Planner - News

9/16/19 - In just the past few months we have been mentioned in U.S. News & World Report, USA Today,  Kiplinger's Personal Finance and MSN.com. Thanks for the great press!

11/1/19 - Thank you to everyone for your great feedback this year! Your comments play a critical role in the evolution of this important financial tool and will help to make the 2020 version of TCRP (coming in January) our most advanced planner yet.

Existing Customers - As always, you will be able to upgrade to the 2020 version for only $9.99.
New Customers - Any purchase of the 2019 planner in November or December will qualify for a free 2020 version (no need to wait until January to start your planning!). Continue reading below for a complete list of the unique features this planner has to offer.

The Complete Retirement Planner

Creating a written financial/retirement plan is a critical step in achieving financial security. Any financial adviser, and every respected source on financial planning best practices will tell you this. Yet, 82% of households have no such plan, don't know how much they may need for retirement, or even how to figure it out. Why? Not only is it easier said than done to properly account for decades of financial variables on your own, it's also virtually impossible to find a financial planning tool thorough enough to do it with reasonable accuracy. That's why the Complete Retirement Planner was created.

The Complete Retirement Planner provides the means for anyone to easily create a comprehensive, completely individualized, year by year financial plan for both pre- and post- retirement. Based on the same financial planning principles used by professional advisers,    but specifically designed for home use, it offers a detailed and eye opening picture of your financial future. Stop guessing about how much you may need to save for a comfortable retirement, what your annual withdrawal rate should be, or how long your savings may last. The Complete Retirement Planner solves these riddles for you so that you can prepare for retirement with confidence.

How Does It Work?

The Complete Retirement Planner asks the essential questions needed to generate a detailed, year by year forecast of your actual need. Relying only on your personal information (no generic assumptions), it provides the most individualized and accurate results possible. Considerable flexibility allows you to try what-if scenarios, plan for one-time events, and make all desired adjustments quickly and easily.

Because life isn't static, you have the option to enter yearly amounts for itemized expenses, wage income, 401k and IRA contributions (traditional and Roth), and investment return rates. Social Security income (by spouse), Federal tax deductions, Federal/State tax liability, cash/investment balances, and necessary retirement savings distributions (by spouse, if married, to help manage separate accounts) are all calculated automatically year by year. Actual results for many categories may be entered after each year, automatically adjusting all future years, so that you don't hold an inaccurate plan, or have to start over each time.

The result is a year by year financial road map showing how much you will be able to save before retirement, how that compares to what you will actually need, and how long your savings will last during retirement.

It's important to note that all of your information remains completely within your control. The planner is a digital download that you save to your computer so that only you have access to it. For ease of use, it operates using Microsoft Excel, a common program on PCs, Macs, and mobile devices (unfortunately, it will not work on iPads, as they do not support all necessary Excel functions). The planner is updated annually with any tax law changes and feature improvements. Existing customers may purchase updated versions for only $9.99.

Why Is It Called The "Complete" Retirement Planner?

The thoroughness of this planner is unique, incorporating technical and educational features that simply won't be found elsewhere.

• Interview style questions, with explanatory notes, easily guide you through the set up, providing an unparalleled ease of use.
• Clear educational notes on complex topics (e.g. Medicare costs, tax laws, Social Security) help to inform you.
• Flexibility in entering variable income, expenses, investment returns, savings, and one time events allows for individual needs.
• Essential variables that are often ignored by other planning tools, but have a big impact on results, are accounted for (see below).
• A high level of clarity and detail in the results provides transparency into how it all works from start to finish, making it truly "complete".

The following is a list of specific features that set The Complete Retirement Planner apart from all other planning tools:

• If married, there are separate entries by spouse for: annual income, retirement dates, Social Security benefits, retirement savings contributions, cash/investment balances and interest/return rates. A planner without this capability won't be accurate!

•  Enter your estimated monthly Social Security benefit at Full Retirement Age (from www.ssa.gov), and the annual income calculates automatically for all years, including annual COLA's, starting with your chosen claiming age. Instantly see the long-term impact on your total retirement results based on different claiming ages!

• If you own a home (or two), annual tax deductions for mortgage interest and property taxes are calculated automatically. You can even specify if either mortgage will be paid off early, or either house sold, automatically adjusting your total expenses and deductions from that year forward. You have the option to use the net proceeds from a home sale to help pay future expenses.

 Federal taxes on ordinary income, taxable distributions, and Social Security (different tax laws) are properly calculated for each year (not just an estimated rate for all years/income types), and include any repeatable tax deductions for mortgage interest, real estate taxes, State income/sales tax, charity, and medical costs. All tax thresholds are updated annually. An effective rate for State income tax may also be entered, completing the picture of total tax liability. This is critical, as taxes can be one of the largest expenses in retirement!

• For those with children, there's a built in college savings calculator that specifies the amount needed to save, per month, per year, per child. It accounts for the costs of different types of institutions, the amount of student loans allowed, estimated financial aid, and invested savings vs. regular savings. This is an awesome tool all by itself!

• Help with estimating health care costs in retirement, with those costs automatically adjusting at a yearly inflation rate unique to health care (projections are from the U.S. Department Of The Actuary). No other planner does this, and it has a huge effect on results.

• The ability to itemize both current and expected retirement expenses, specifying varying time frames for each expense. This determines actual need, by year. For greater accuracy, fixed expenses are not inflation adjusted!  This attention to detail is significant.

•  Expenses are paid from taxable retirement savings first, then cash and cash investments, and finally from Roth IRA's. This helps to maintain liquidity, allow Roth IRA's more time to grow, and to help reduce Required Minimum Distributions and tax liability in later years.

• In any year that net income is greater than expenses, 25% of the excess is saved, and applied to future expenses. Starting at age 70, in any year that Required Minimum Distributions from retirement savings are greater than actual need, 50% of the excess is saved, and applied to future expenses. These "automatic savings" help to delay distributions from Roth IRA's, allowing that money to keep growing!

• Distributions from retirement savings are specified by spouse, and are based on actual need. All distributions account for tax liability so that each withdrawal covers expenses and the taxes owed on it. Again, this is critical, but it's a point other planners ignore.

• The ability to enter expected (unexpected?) one time events (additions or subtractions) that significantly impact retirement savings.

• Results for each spouse are shown, by year, for: ordinary income, retirement savings contributions, investment return rates, retirement savings distributions, retirement savings balances, Social Security income, and cash/Roth IRA savings used to pay expenses.

Total combined results (single or married) are shown, by year, for: total income, taxable income, income and cash/Roth IRA available to pay expenses, total expenses, retirement savings distributions, Federal tax deductions, Federal/State tax liability, total retirement savings.

How's that for complete? There's simply no other retirement planning tool like this!

Our Mission

Our mission is to provide the best possible means for anyone to easily create an informative, thorough, and reliable retirement plan. While it's impossible for any planning tool to account for every single situation, or to accurately predict the future, we believe that the need based philosophy and individualized detail incorporated into this planner will get you as close as possible to that goal.

Of course, "the best possible means" also requires the value of this planner to be outstanding. Priced at only $69.99, we're confident that this amount represents an unprecedented value for a professionally designed financial planning tool with these advanced capabilities.
We encourage you to compare its features to any other retirement planner you can find at double, triple, or even quadruple the cost. The information this planner provides can even be compared to financial plans costing thousands of dollars from professional advisers. We are committed to providing the best possible retirement planner, at the best possible price. It's that simple.

With the Complete Retirement Planner, there's no need to be a part of "the 82%" any longer.
Get started today, and plan for retirement with confidence!

Testimonials:

"This thing is AWESOME!  I have tried out a few online tools and have found them to be marginally useful - they don't take into consideration fluctuations in earning, spending and saving expectations, and only tell me to save more. This tool is unlike anything out in the market today. Great job!"     A.J.,   Seattle, WA

"I appreciate the information this planner provides - it has paid for itself today. The great thing is that I can try different iterations and see what works for us. Very useful tool."   D.S.,   Pensacola, FL

"I bought the planner and it's pretty cool. Thank you for all the work that went into developing this!"    A.W.,  San Francisco, CA

"Wow! Thanks for the impressive customer service. I can’t remember a company ever showing that much concern for a customer.   Where do I rave about your product/service?"  M.B.,   Newport Beach, CA

"Very professional, with a user friendly platform. I needed this."     A.F.,   Charlevoix, MI

"I really like the tool and have recommended to my work colleagues."     K.V.,  Evergreen, CO

"This planner is informative, user-friendly, and the consummate guide that captures pivotal variables that I would have overlooked.      This in itself is worth the price of admission."     G.P.,   Kingston, R.I.

"Been using the planner since it came out. I appreciate your efforts on this product and really like how I can adjust for different scenarios. Well Done."     A.D.,  Phoenix, AZ

"Easy to use, and love the year by year results. Distributions by spouse really helps, too. Gave me much more information than the planner I paid twice as much for. Live and learn."     P.M.,   Sierra Vista, AZ

Also mentioned in Kiplinger's Personal Finance, U.S. News & World Report, MSN.comUSA Today, BestLife Online Magazine, Lifehacker.com, the Glassdoor.com blog, the Quicken Loans Blog, and FitSmallBusiness.com.

Still not sure? Click here, or select the "View The Planner" button at the top of the page, to view actual pages from the planner.

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