Retirement Planning Software
Automate your retirement savings and retirement planning projections
VeriPlan’s comprehensive and integrated retirement planning software helps you to plan your retirement much more easily. VeriPlan’s retirement planning calculator tools automate the lifetime financial planning process for your retirement income, retirement pensions, retirement annuities, Social Security payments, retirement expense budget, retirement taxes, and tax-advantaged retirement plans.
VeriPlan’s integrated retirement planning tools enable you to set and adjust your intended retirement ages. You can vary the planned retirement ages of either earner and plan to retire simultaneously or in separate years, when each earner reaches his or her planned retirement age. The VeriPlan retirement income calculator also supports user-adjustable real dollar income assumptions for persons who choose to continue to work beyond the normal retirement age.
Automated tax-advantaged retirement account projections
VeriPlan has automated the development of your lifetime projections by incorporating current tax laws and rules associated with tax-advantaged retirement investment incentive programs such as traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement plans. While simultaneously providing powerful “what-if” user retirement planning controls, the VeriPlan’s IRA retirement calculator and 401k retirement calculator functionality hides the complexity of the tax laws that are associated with these various personal retirement plans and employer-sponsored retirement plans.
For example, the VeriPlan IRA retirement calculator has fully automated the projection of your IRA contributions, deductions, asset growth, withdrawals, and taxes, regarding both traditional IRA accounts and Roth IRA accounts. VeriPlan also automatically projects required minimum distributions from traditional tax-advantaged accounts after age 70 and 1/2. If your projections indicate that you would need to take early withdrawals before age 59 and 1/2, the VeriPlan early retirement calculator automatically projects and extracts both ordinary income taxes and any federal and state early withdrawal penalties due, net of your tax basis is these accounts.
This is a sample of the VeriPlan lifetime retirement calculator graphic that shows projected balances in taxable investment accounts, traditional tax-advantaged retirement accounts, and Roth retirement accounts. This graphic, as well as all the others, is automatically developed for every lifetime planning scenario that you develop with VeriPlan:
Retirement pension and annuity projections
VeriPlan’s integrated retirement calculator with pension and retirement annuity calculator features will automatically track up to 10 pensions and annuities for you and your spouse across your lives. VeriPlan automatically projects for you the duration of your pension payments and annuity payments, whether your payments begin at you projected retirement date or a different age.
VeriPlan’s retirement annuity calculator and retirement pension calculator features automatically project taxes on your pension and annuity payments by integrating them into VeriPlan’s extensive federal, state, and local income tax projection functionality. Furthermore, the VeriPlan retirement spending calculator allows you to vary the purchasing power of your expected pension and annuity assets and payments relative to inflation both before and after payments begin.
VeriPlan’s comprehensive personal financial planning software automates the analysis of your retirement savings and Social Security income
With the VeriPlan retirement withdrawal calculator, you can adjust your expected ordinary living expense budget in retirement and set the growth rate of your retirement budgeting expenses. You can use VeriPlan’s Expense and Savings Tool to model additional retirement expenses that you might anticipate on a year-by-year basis. You can grow your budget for additional retirement expenses at rates that are below, above, or equal to expected rate of inflation. Furthermore, the integrated VeriPlan retirement investment calculator automatically projects your required annual lifetime investment portfolio asset withdrawal rates for you.
Concerning your Social Security retirement payments, with VeriPlan’s integrated Social Security retirement calculator, you can set current levels for those entitlements. You can adjust the age at which you would begin to receive Social Security payments, which could differ from the age that you actually stop working. Furthermore, VeriPlan allows you to scale back your Social Security payment expectations, given the significant uncertainty that surrounds the funding viability of the U.S. Social Security system.
Personal Financial Planning Software for Individuals
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A significant portion of a portfolio may sometimes become concentrated in a single investment entity, which dramatically increases the overall risk of the portfolio. While generally undesirable, there sometimes are unavoidable reasons for investment concentration. Unavoidable reasons for lack of diversification can include owning a private business or being [...])
- Annual Tax Calculator (VeriPlan estimates your lifetime annual taxes in 8 different tax categories
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Federal income taxes on earned [...])
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In general, whether to accept Social Security payments early, at full retirement age, or later is a decision you will need to make as you approach retirement. This decision can depend upon many factors, including but not limited to your expected cash flow requirements, your health and [...])
- Roth Estate Planning Strategies (Roth IRA and Roth 401k Accounts and Roth Estate Planning Strategies
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The most important long-term topic we discussed was how you as a couple can find a way to balance current consumption, which presently exceeds your dual incomes, against the need to [...])
- Tax-Advantaged Retirement Investment Planning (Tax-advantaged retirement savings plans
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- Where to buy investment funds (Where to purchase mutual funds and ETFs
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- Asset Allocation Calculator (Understand how your lifetime investment asset allocation strategy would affect the growth of your financial asset portfolio
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- 2014-01: January 2014 What Works in Personal Finance Newsletter (
- Stock Asset Allocation (Project the value of your stock and equity assets across your lifetime
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VeriPlan financial software satisfaction guarantee, licensing, documentation, and system platform information
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- Projecting the size of your future estate (VeriPlan's investment growth calculator helps you to project the size of your estate in future years
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- Economic ETF trade size cost considerations (Economic ETF trading size considerations
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- VeriPlan Overview 2: Organization and Graphics (VeriPlan Overview: Part 2 of 7
A well-organized lifetime financial planning application with extensive color graphics
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- 2013-10: October 2013 What Works in Personal Finance Newsletter (
October 2013 Newsletter
Identity Theft Protection and Prevention
This is the web address of this article:
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- Municipal Bonds and Marginal Income Tax Rates (Municipal Bond Investments and Marginal Income Tax Rates
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- Lifetime Savings Rate Calculator (Understand the current savings rate that is sufficient to meet your lifetime personal savings needs
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