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The Complete Retirement Planner (TCRP) - News

The 2020 version of TCRP includes the most current tax laws, retirement account contribution limits, and Medicare costs,                        as well as several significant feature improvements that make this our most advanced planning tool to date. All current                   features of TCRP are explained in detail below.

New - TCRP Gift Cards are here! The perfect gift to help friends and family to stop guessing about retirement and easily                                 create their own comprehensive financial plan for pre and post retirement. How thoughtful!

Press Coverage - Thanks to GoBankingRates.com and Yahoo.com for the recent mention!

The Complete Retirement Planner

Regardless of your net worth or stage of life, 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 and are unsure of how to create one. 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 (TCRP) was created.

TCRP allows anyone to easily create a comprehensive, completely individualized financial plan for both pre- and post-retirement.
Based on the same financial planning principles used by professional advisers, it accounts for important variables that other tools ignore. The result is a detailed year by year roadmap of your financial future, eliminating the need to rely on guesses, assumptions, or generic benchmarks to determine how much to save for retirement, what your withdrawal rate should be, or how long your savings may last. TCRP solves these riddles for you so that you can plan for retirement with confidence.

How Does It Work?

The Complete Retirement Planner asks the essential questions needed to generate a precise, year by year forecast of your actual need. Relying only on your personal information (not 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.

All expenses can be itemized and adjusted for different time periods, with total expenses calculating independently for each year. To help plan for changes in income, annual amounts may be entered, by spouse, for multiple income sources, Traditional and Roth 401k/IRA contributions, employer contributions, and investment return rates. In addition, Social Security income (by spouse), Federal tax deductions, Federal/State tax liability, cash/investment balances, and retirement savings distributions (by spouse, to help manage separate accounts) are all calculated for each individual 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 detailed and eye-opening picture of your financial future showing how much you will be able to save before retirement,
how your savings and income compare to your actual need, and how long your savings will ultimately last during retirement.

It's important to note that all of your information remains completely within your control. TCRP 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 (version 2010 or later), available for PCs, Macs, and mobile devices (unfortunately, it will not work on iPads, as they do not support all necessary Excel functions). TCRP 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?

TCRP is a unique financial planning tool that incorporates 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.
• Variables that are often ignored by other planning tools, but have a big impact on results, are accounted for (listed 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".

These are the essential features that set TCRP apart from all other financial planning tools:

• If married, there are separate entries by spouse for: multiple sources of annual income, retirement dates, Social Security benefits, retirement savings contributions, cash/investment balances and interest/return rates. Entries by spouse are essential for accuracy!

• If you own a home (or two), annual tax deductions for mortgage interest and property taxes are calculated automatically. You can also 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.

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

• To assist with understanding Social Security claiming options, there's a built in Social Security calculator. Educational notes provide an overview of common benefit options, and the calculator quickly models monthly and lifetime benefit results, by spouse, by claiming age. Easily determine how to maximize your benefits!

• If either spouse qualifies for a Social Security supplemental benefit (an additional amount raising their benefit up to 50% of a spouse's benefit, explained in more detail in the planner) it is calculated automatically, noted, and added to their benefit in the appropriate year.
This is a feature that is important to many, but won't be found in any other planning tool.

Federal taxes on ordinary income, taxable distributions, and Social Security (different tax laws) are calculated separately 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. An effective rate for State income tax may also be entered, completing the picture of total tax liability. This is critical, as taxes have a significant impact on how long your savings may last.

• 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 planning tool does this, and it has a huge effect on results.

• The ability to itemize both current and future expenses, and to specify how those amounts may change over different time frames. This determines actual need, by year. For greater accuracy, fixed expenses are not inflation adjusted!  This detail is significant.

• Expenses are paid from income first, then from a proportionate mix of cash/investments and Traditional 401k/ IRA's, and finally from Roth 401k/IRA's. Cash equal to 2 years expenses (less income) is held in reserve to protect against having to sell investments during a market downturn. This hybrid approach helps to maintain liquidity, reduce Required Minimum Distributions and tax liability in later years, and allow Roth IRA's more time to grow. Savings last longer, and tax liability is less than if only one fund type was exhausted at a time.

• In any year that net income is greater than expenses, 25% of the excess is saved and applied to future expenses. Starting at age 72, in any year that Required Minimum Distributions are greater than actual need, 70% of the excess is saved and applied to future expenses. These "automatic savings" help to delay distributions from Roth IRA/401k's, allowing that money to keep growing.

Distributions from retirement savings are specified by spouse, and are based on actual need. This means that all distribution amounts cover necessary expenses and the tax liability on the distribution. This is critical, but it's a point other planning tools 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, non-taxable income, Social Security income, 401k/IRA savings contributions/distributions/balances, investment return rates, Roth 401k/IRA savings contributions/distributions/balances, and cash/investment savings balances.

Total combined results (single or married) are shown, by year, for: gross taxable income, Federal/State tax liability, Federal tax deductions, income available to pay expenses, total expenses, cash available to pay expenses, cash used to pay expenses, total retirement savings distributions, each distribution's % of total savings, and the balance of total retirement savings.

How's that for complete? There's simply no other financial planning tool like The Complete Retirement Planner!

Our Mission

Our mission is to provide a comprehensive financial planning tool that allows anyone to easily create a detailed, thorough, and reliable financial plan for pre- and post-retirement. While no plan can account for every possibility or accurately predict the future, we believe that the need-based philosophy and individualized detail incorporated into TCRP will come as close as possible to that goal.

In addition, the cost of TCRP must be affordable for everyone and represent an exceptional value. Priced at only $69.99, we're confident that this represents an unparalleled value for a professionally designed financial planning tool with such advanced capabilities.
We encourage you to compare its features to any other planning tool that you can find at double, triple, or even quadruple the cost.   You can even compare the information this planner provides to financial plans costing thousands of dollars from professional advisers. We are committed to providing the best possible retirement planning tool, 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.
Stop guessing, start planning, retire with confidence!

Testimonials:

"This thing is AWESOME!  I have tried out a few online tools and have found them to be marginally useful. This tool is unlike anything out in the market today. Great job!"     A.J.,   Seattle, WA

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

"Nice tool. Great for doing “what-if” analysis. Been using a Fidelity tool for several years but it lacks a lot of detail."    H.S.,   Springfield,  IL

"The tool is exactly what I had envisioned and I'm very pleased with it's thoroughness and completeness."     M.N.,   Roanoke, VA

"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.

"You have created a really good planner that I am thrilled to have found."     A.R.,   San Diego, CA

"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

"This planner is excellent, and you include several elements that many planners do not."      F.B.,   Boise, ID

"Love this planner!"     C.B.,   Mission Viejo, CA

"Thanks for the great product. I like to see cold, hard facts and not educated guessing."      D.C.,   Ballwin, MO

"I appreciate the help and personal service. The planner is pretty impressive."     L.B.,   Endicott, NY

"This planner is very helpful in my planning efforts. I would say it is the best I’ve seen."     K.N.,   Grand Rapids, MI

Also mentioned in Kiplinger's Personal Finance, U.S. News & World Report, GoBankingRates.com, 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.

Please Click Here or select the "Contact Us" button at the top of the page if you have any questions, or would like to share your thoughts.

Thank You for your interest in The Complete Retirement Planner!