Click on parameter titles for help.
(Default values in parentheses.)

Every field on this form represents an issue that will affect your retirement finances.
Take your time and give them some thought.

Your Age Spouse's Age

Retiree Spouse
Tax-deferred Account Inital Balance $000
Tax-deferred Account Maximum Annual Contribution $000

Roth IRA Initial Balance $000
Roth IRA Maximum Annual Contribution $000
Roth IRA Minimum Balance $000

After-tax Account Initial Balance $000
After-tax Assets Cost Basis $000
Maximum Annual Contribution of All Types $000
After-tax Account Minimum Balance $000

Estate in current dollars ($10,000) $00

Illiquid Assets
Home Other
Asset Value $000
Cost Basis - Price Originally Paid, for Tax Purposes. $000
Mortgage or Loan - Unpaid principle balance. $000
Age to Sell - Convert illiquid asset to liquid asset. Age

Reverse Mortgage
Age to Start Reverse Mortgage Distribution Age
Lifetime Income Plan Annual Payments $000
Lump Sum Distribution $000

Annual Retirement Income
Retiree Spouse
Social Security Benefits at Full Retirement Age $000
Age to Begin Social Security (ORP's Choice) Age
Social Security Disability Insurance (Not Applicable)

Pension and Other Income, Indexed to Inflation $000
Pension and Other Income, not Indexed to Inflation $000
Pension Beginning Age (Retirement Age) Age
Pension Survivors Benefit (None) %

Earned Income - Part time and Otherwise $000
Earned Income Ending Age Age

Tontine Dividend (No Tontine) $000
Tontine Funding from the IRA (Not Applicable) $000

Affordable Care Act - PTC (Not Applicable) $000
ACA Taxable Income Limit (Not Applicable) $000

Retirement Plans
Retiree Spouse
Retirement Ages (65) Age
Life Expectancy (92) Age
Retirement Spending Plan
Enable Tax-deferred to Roth IRA Conversions. Check to Enable

Glide Path (Introduction)
Tax-deferred RothAfter-tax
At Retirement. % Invested in Stocks (100%)
Plan End % Invested in Stocks (100%)

Stock Investments % Annual Return (6%)
Fixed Income % Yield (3%)

Income Spending
Inflation Rate (2.5%) %

After-tax Account Estimated Federal Tax Rate (15%) %

Current Marginal Federal Income Tax Level (15%) %
Current Marginal State Income Tax Level %

Retirement State Income Tax Deductions & Exemptions $000
Retirement State Income Tax Rate: %

Social Security Exemption From State Income Taxes. (Taxed) $000
Pension Income Exemption From State Income Taxes. (Taxed) $000

Extraordinary Non Recurring Expenses

Scenario Description:

Monte Carlo Risk Assessment.

Save Parameters QUESTIONS?

According to the article on page 17 of

ORP can increase your disposable income by 3% or more.
Annual income from your one million dollar IRA is $48,000.
That 3% gives you a $1,400 annual kick.
1% of $1,400 is $14
Is that too much for you to help keep ORP healthy?

ORP's result windows require popups.
A new white paper about
IRA to Roth IRA conversions
is posted on the ORP site.
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James S. Welch, Jr.