VERIPLANTM HELPS YOU TO PLAN FOR YOUR RETIREMENT
VeriPlan's
Retirement Tool enables 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.
VeriPlan
automatically tracks up to 10 pensions and annuities for you across
your full lifecycle. VeriPlan automatically projects for you the
duration of payments, whether payments begin at retirement or at
another age, and the taxability of payments. It allows you to vary the
purchasing power of your expected payments relative to inflation both
before and after payments begin.
With VeriPlan, you can adjust
your expected ordinary living expenses in retirement and set the growth
rate of those expenses. You can use VeriPlan's Expense & Savings
Tool to model additional retirement expenses that you may anticipate on
a year-by-year basis. You can grow additional expenses at rates that
are below, above, or equal to expected inflation. VeriPlan
automatically projects your required annual lifecycle asset withdrawal
rates for you.
To a very great extent, VeriPlan has automated
the development of your lifecycle projections by incorporating current
tax laws and rules associated with tax-advantaged retirement incentive
programs such as traditional IRA, Roth, 401(k), 403(b), SEP, Keogh, and
other plans. While simultaneously providing powerful "what-if" user
retirement planning controls, VeriPlan hides the complexity of the tax
laws that are associated with these personal and employer-sponsored
retirement plans.
Concerning your Social Security retirement
payments, 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.
VeriPlan
also supports user-adjustable real dollar income decline assumptions
for persons who choose to continue to work beyond the normal retirement
age.
Click on these links:
VeriPlanTM -- Your Personal Financial Lifecycle PlannerTM
VeriPlan can give you significant insight into your most important personal financial and investment decisions. Through comprehensive and customized lifecycle projections, VeriPlan models your particular financial situation across your adult lifecycle.
VeriPlan projects fully integrated scenarios about your income, expenses, debts, assets, investment returns, and investment costs within the context of the U.S. federal, state, and local taxes that apply to you. VeriPlan presents all your personal lifecycle projection information in clear graphics and data tables.
You can easily customize your personal data and settings in VeriPlan. After each modification you make, VeriPlan automatically and instantaneously revises your complete projection. As you use VeriPlan's rich set of integrated “what if” decision support tools, you can take control of your personal financial and investment decision-making.
FOR UNITED STATES TAXPAYERS: VeriPlan is available only to personal, non-commercial licensees who are subject to United States taxation. VeriPlan projections incorporate current U.S. federal, state, and local tax laws, rules, regulations, rates, and limitations. Furthermore, VeriPlan takes into account U.S. tax laws regarding tax-advantaged investment accounts, when it projects your future financial assets. U.S. tax-advantaged investment account laws can significantly affect your projected pre-tax and post-tax asset values and the order and timing of your projected asset deposits and withdrawals. Therefore, it would not be appropriate to use VeriPlan, if you are subject to tax rules that differ substantially from those applied to U.S. taxpayers.