The biggest obstacle in planning for retirement is finding the right tools to help you, or realizing that you need a planning tool at all. Creating a plan seems straightforward enough until you try to account for the seemingly endless variables that could occur over several decades. Thinking through all the possibilities of what may happen, what influences what, a variety of tax laws, and all the math involved, it quickly becomes overwhelming. Most people don't have the time, dedication, or even interest, to work through all of those details.
The option is to search for a financial planning tool that will do the hard work for you. That's what I did, but what I found, or, more importantly, didn't find, was shocking. Advice columns and financial sites like to recommend retirement calculators, but I don't know how they do that with a straight face. Any financial tool that asks just a few questions, uses generic assumptions (that are erroneous), and ignores basic essentials, is not helpful, it's dangerous. I guess that's why they're free, but you certainly can't rely on them.
I dug deeper, and found a couple of slightly more robust "planners" (I use that term loosely), but they proved to be overly complex and/or confusing to use, still didn't account for essential variables, and were too costly. What an exercise in frustration!
Out of options, I decided to create a comprehensive retirement planner with better features and capabilities than anything else that I had found. The complexity of making a retirement planner up to this standard was not to be underestimated, but I realized that it was an opportunity not only to help myself, but also to help anyone else who might be in need of a reliable planning tool.
My one advantage was having extensive experience building financial planning and forecasting tools for a Fortune 500 company. I understood sound financial planning principles, and the importance of making sure that even a very complex tool still needs to be intuitive and user friendly. It took many months of research, development, and innumerable, "But what about.....", questions that came from all those who tested it, but The Complete Retirement Planner was finally ready!
The result is a premier solution for retirement planning, giving anyone the means to create a personalized, flexible, reliable, year by year retirement plan. It offers more essential features than any other planner, and costs less. There's nothing else like it, and households from coast to coast are now benefiting from using it for their retirement planning. I have every confidence that you will find it to be just as beneficial.
Creator of The Complete Retirement Planner