VeriPlan Personal Financial Planning
DIY financial and retirement planning Excel calculator software
Traditional and Roth retirement accounts and estate planning There are trade offs in deciding how to set the proportion to contribute into Roth versus traditional accounts. In many senses, this becomes an estate planning question. When an investor’s situation and lifetime financial model indicate that he or she falls into that relatively small percentage of […]
Roth IRA and Roth 401k Accounts and Roth Estate Planning Strategies There are trade-offs when deciding whether to allocate contributions to Roth retirement savings accounts versus traditional retirement savings accounts that have deferred income taxation features. In the majority of personal finance situations, making 100% of allowable contributions to Roth retirement plans would probably not […]
Roth retirement investment strategies have a long payback period When financial planners, investment advisers, and brokers advise their clients to convert their traditional IRA assets into Roth assets or to make annual Roth contributions rather than make alternative tax-deductible retirement account contributions, are asking for a huge leap of faith. Such proposals suggest that it […]
VeriPlan software automates your retirement savings and income in retirement planning projections VeriPlan is comprehensive and integrated income in retirement planning calculator software that helps you to plan your retirement much more easily. VeriPlan’s retirement income planning calculator tools automate the lifetime financial planning process for your retirement income, retirement pensions, retirement annuities, Social Security […]
VeriPlan helps you to decide what your lifetime IRA, 401k, Roth IRA, and Roth 401k contribution strategy should be With IRA, 401k, and other tax-advantaged retirement investment portfolio accounts, you trade off the relative value of paying federal income taxes, state income taxes, and local income taxes now versus paying them either later or never. […]
Deciding between traditional retirement plan contributions and Roth retirement plan contributions Whether or not to make investments into “traditional” tax-advantaged employer accounts and IRAs versus investing in “Roth” tax-advantaged employer accounts and personal IRAs is never a straightforward nor simple financial planning decision. The decision on the trade offs happens to be one of the […]
Tax-advantaged retirement savings plans You may have the opportunity to make investments into both individual retirement accounts (IRA) and into employer or self-employed tax-advantaged retirement plans, such as a 401k, 403b, 457, Keogh, Simple, or other employer sponsored retirement plan. In general, if your net wage and salary earnings after living expenses will provide enough […]