VeriPlan Personal Financial Planning – DIY financial and retirement planning Excel calculator software https://www.theskilledinvestor.com/VeriPlan/ DIY financial and retirement planning Excel calculator software Mon, 03 Aug 2026 02:06:54 +0000 en-US hourly 1 Social Security retirement benefits can significantly increase taxes on Roth conversions https://www.theskilledinvestor.com/VeriPlan/6047/social-security-retirement-benefits-can-increase-roth-conversion-taxes/ Mon, 19 Jan 2026 23:22:47 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=6047 VeriPlan’s Roth conversion analysis features automatically project increased U.S. federal and state income taxes on Social Security retirement benefits Roth conversions done when one is already receiving Social Security retirement benefits can increase the amount of Social Security retirement benefits that are subject to federal income taxation. For details on federal income taxation of Social […]

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]]> Investment risk and return analysis using VeriPlan’s Excel Monte Carlo analysis features https://www.theskilledinvestor.com/VeriPlan/6016/investment-risk-and-return-analysis-excel-monte-carlo/ Mon, 19 Jan 2026 04:38:53 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=6016 VeriPlan’s Excel Monte Carlo analysis features simplify investment risk and return analysis To simplify investment risk and return analysis, VeriPlan’s “Painless” Excel Monte Carlo investment performance variation method allows you to project investment performance with parameters that systematically vary compounded historical real dollar returns with inflation removed that are below or above VeriPlan’s 50th percentile […]

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]]> Affordable Care Act subsidies and the Obamacare ACA Premium Tax Credit subsidies mechanism https://www.theskilledinvestor.com/VeriPlan/5925/aca-affordable-care-act-subsidies-and-obamacare-premiums/ Sat, 06 Sep 2025 00:07:27 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=5925 Obamacare Affordable Care Act (ACA) subsidies and premiums are automated in VeriPlan’s lifetime financial planning projections This article is provides the full text of VeriPlan’s financial planning projection features for Affordable Care Act (ACA) health insurance coverage and Obamacare Premium Tax Credit subsidies. Lifetime projections of ACA subsidies and premiums are automatically customized for each […]

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]]> Which Roth conversion ladder and Roth contribution strategies are more likely to pay off? https://www.theskilledinvestor.com/VeriPlan/5657/roth-conversion-ladder-strategies/ Sun, 27 Oct 2024 02:07:51 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=5657 For richer or poorer; for better or worse; until death do us part… How to choose? Traditional retirement account contribution Roth conversion ladder decisions have many similarities to the marriage decision. Marriages and Roth conversions are very long-term commitments, and they may or may not work out. This article focuses on Roth conversion ladder strategies […]

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]]> After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets? https://www.theskilledinvestor.com/VeriPlan/5629/roth-conversion-taxes/ Sun, 27 Oct 2024 02:06:56 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=5629 How can I tell if Roth retirement assets are more valuable than traditional retirement assets? The answer depends on your financial circumstances, and it changes over time. This case study article focuses on the beliefs of some investors that Roth retirement assets are inherently more valuable to own than traditional retirement assets. This belief centers […]

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]]> Using VeriPlan’s year-by-year Roth conversion calculator https://www.theskilledinvestor.com/VeriPlan/5001/using-veriplans-year-by-year-roth-conversion-calculator/ Tue, 13 Jun 2023 01:29:20 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=5001 Plan for your best low tax rate years to do Roth conversions If you are diligent enough to accumulate significant traditional retirement assets, Roth conversions in low income tax rate years during retirement will be the most optimal for you. The article below can help you think about these lifetime financial tradeoffs. Don’t get fooled […]

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]]> Converting to Roth after retirement versus making Roth contributions while working https://www.theskilledinvestor.com/VeriPlan/4977/converting-to-roth-after-retirement-versus-making-roth-contributions-while-working/ Sat, 10 Jun 2023 01:30:34 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=4977 Economic and investment tradeoffs between traditional and Roth retirement account assets Traditional retirement contributions that reduce taxable income and taxes while working are very valuable, and your tax saving can compound over the years. If you are diligent enough to accumulate significant traditional retirement assets, later in life in retirement Roth conversions might make sense […]

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]]> Medicare IRMAA calculator projects premium subsidy reductions https://www.theskilledinvestor.com/VeriPlan/4955/medicare-irmaa-calculator-projects-premium-subsidy-reductions/ Wed, 31 May 2023 22:07:58 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=4955 Medicare Part B and Part D premiums, including Income-Related Monthly Adjustment Amounts (IRMAA) When Medicare beneficiaries have relatively high income in certain years, they will pay a higher percentage of the true cost of Medicare Part B and Part D insurance premiums. These increased premium payments are known as “Income-Related Monthly Adjustment Amounts” (IRMAA). IRMAA […]

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]]> Roth Conversion Analysis Software and Optimal Strategy https://www.theskilledinvestor.com/VeriPlan/4292/roth-conversion-analysis-software-and-optimal-strategy/ Sat, 25 Sep 2021 00:22:12 +0000 https://www.theskilledinvestor.com/VeriPlan/?p=4292 Understand optimal Roth contribution and conversion strategies using Roth conversion analysis software Traditional retirement contributions that reduce taxable income and taxes while working are very valuable, and your tax saving can compound over the years. If you are diligent enough to accumulate significant traditional retirement assets, later in life in retirement Roth conversions might make […]

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]]> Financial planning Excel worksheet — VeriPlan Annual version enhancements from 2006 through 2026 https://www.theskilledinvestor.com/VeriPlan/1915/veriplan-lifetime-financial-planner/ Mon, 01 Feb 2021 20:16:29 +0000 http://www.myfinancialfreedomplan.com/?p=1915 2026 enhancements to the VeriPlan home DIY Excel financial planning software The annual release has incorporated: 2025 enhancements to the VeriPlan financial planning Excel worksheet software Mid-year update incorporated tax changes associated with the 2025 “OBBBA” Reconciliation Tax Package enacted July 4, 2025. Automated Affordable Care Act (ACA) cost projections, including income-related Premium Tax Credit […]

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]]> Best Personal Retirement Planning Software for Consumers https://www.theskilledinvestor.com/VeriPlan/3998/best-retirement-planning-software-for-consumers/ Wed, 14 Oct 2020 23:52:00 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3998 An Overview of output graphics and data for the VeriPlan personal lifetime and retirement planning software. Will I have enough to retire? The best retirement planning software will automate this analysis for you. And, it will help you understand the most effective steps that you can take along the way to prepare for a comfortable […]

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]]> Retirement Financial Planning Excel Software for Consumers https://www.theskilledinvestor.com/VeriPlan/3788/retirement-software-for-financial-planning-by-consumers/ Fri, 25 Sep 2020 03:12:52 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3788 Making Inputs to the VeriPlan Personal and Retirement Planning Excel Software for Consumers Perhaps you have tried your hand at developing your own Excel spreadsheet calculator for personal finance and retirement planning. The more factors related to income, expenses, taxes, debts, investments, real estate, etc. that you try to include, the harder it gets. Developing […]

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]]> A Brief History of VeriPlan https://www.theskilledinvestor.com/VeriPlan/3746/a-brief-history-of-veriplan/ Sat, 01 Feb 2020 23:02:49 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3746 A Brief History of VeriPlan * Under development since 2003 * Core functionality has been complete and robust since 2006 * First released for software licensing by the general public in 2006 * Annual enhancement releases that update tax and investment information since 2007 * Parameters have always been user updatable, so that upgrade purchases […]

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]]> Traditional and Roth estate planning with the SECURE Act of 2019 https://www.theskilledinvestor.com/VeriPlan/3738/traditional-and-roth-estate-planning-with-the-secure-act-of-2019/ Sat, 11 Jan 2020 02:20:59 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3738 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 […]

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]]> Roth Estate Planning Strategies https://www.theskilledinvestor.com/VeriPlan/137/roth-estate-planning-strategies/ Sat, 11 Jan 2020 01:37:54 +0000 http://www.myfinancialfreedomplan.com/?p=137 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 […]

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]]> Deciding when to begin initial Social Security retirement payments https://www.theskilledinvestor.com/VeriPlan/2452/deciding-when-to-begin-initial-social-security-retirement-payments/ Thu, 09 Jan 2020 01:40:30 +0000 http://www.myfinancialfreedomplan.com/?p=2452 Deciding when to begin initial Social Security retirement payments In general, whether to accept Social Security payments early, at full retirement age, or later is a social security retirement planning 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 […]

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]]> Automated Tax Projection Features in VeriPlan https://www.theskilledinvestor.com/VeriPlan/3658/automated-tax-projection-features-in-veriplan/ Fri, 17 Jun 2016 19:51:21 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3658 Automated Tax Projection Features in VeriPlan This is the text transcript of this video. It also includes the slides used in the video. If you want to see the video, scroll to the bottom of this article to find it. This is Larry Russell. This video summarizes automated tax projections in the VeriPlan lifetime financial […]

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]]> How US federal long term capital gains taxes are calculated – part 2 https://www.theskilledinvestor.com/VeriPlan/3632/how-us-federal-long-term-capital-gains-taxes-are-calculated-part-2/ Tue, 14 Jun 2016 00:21:11 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3632 How US federal long term capital gains taxes are calculated     This is the text transcript of this video. It also includes the slides used in the video above. This is the second part of this two-part video series on long-term capital gains taxes. Go to part 1 – Long-term capital gains tax calculations […]

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]]> How Long-term Capital Gains Taxes are Calculated https://www.theskilledinvestor.com/VeriPlan/3593/how-long-term-capital-gains-taxes-are-calculated/ Sat, 11 Jun 2016 01:12:35 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3593 How US federal long term capital gains taxes are calculated     This is the text transcript of this video. It also includes the slides used in the video above. This is the first part of this two-part video series on long-term capital gains taxes. Go to part 2 – Long-term capital gains tax calculations […]

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]]> Instead of non-traded REITs, buy publicly-traded REIT index mutual funds and ETFs https://www.theskilledinvestor.com/VeriPlan/3566/instead-of-non-traded-reits-buy-publicly-traded-reit-index-mutual-funds-and-etfs/ Sat, 29 Aug 2015 23:44:08 +0000 http://www.theskilledinvestor.com/VeriPlan/?p=3566 Publicly-traded REIT index mutual funds and ETFs add can add far more cost-effective real estate exposure to your portfolio If you really need to add real estate securities to your portfolio, the most sensible way to do so is to buy very low cost REIT index mutual funds or ETFs. This article will overview why […]

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