EXTENDED ORP: Retirement Planning for Nerds

Extended ORP allows you to supply your own values for Essential ORP's assumed parameters, describing your situation. Every field on this form represents an issue that may affect your retirement finances. Take your time; give each field some thought.

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Scenario Description:
Enter all dollar amounts as thousands of dollars (For example: Enter 10 for $10,000 )  Click on a field's link for help

	Retiree	Spouse
Current Age(s)

Retirement Accounts	Retiree	Spouse
Tax-deferred Account Initial Balance	$	$
Tax-deferred Account After tax Balance	$	$
Tax-deferred Account Maximum Annual Contribution	$	$
Roth IRA Initial Balance	$	$
Roth IRA Maximum Annual Contribution	$	$
Roth IRA Minimum Balance	$
After-tax Account Initial Balance	$
After-tax Assets Cost Basis	$
Maximum Annual Contribution of All Types	$
Minimum Estate in current dollars (No Estate)	$

Illiquid Assets	Home	Other
Asset Value	$	$
Cost Basis - Original Cost, for Tax Purposes.	$	$
Mortgage or Loan - Principal balance due at sale	$	$
Age to Sell - Convert illiquid asset to liquid asset

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

Annual Retirement Income	Retiree	Spouse
Social Security Benefits Current or PIA	$	$
Age to Begin (FRA)
Disability Insurance (check if it applies)
Social Security will continue full benefits?
Pension and Other Income, Indexed to Inflation	$	$
Pension and Other Income, not Indexed to Inflation	$	$
Pension Beginning Age (Retirement Age)
Pension Survivors Benefit	%	%
Earned Income - Part time and Otherwise	$	$
Earned Income Ending Age
Annuity Annual Distribution	$	$
Annuity Funding from the IRA	$	$
Age to Begin Annuity (Immediate Annuity)
Tontine Dividend	$	$
Tontine Funding from the IRA	$	$
Affordable Care Act - PTC	$
ACA Taxable Income Limit	$

Retirement Plans	Retiree	Spouse
Retirement Age (65)
Planning Horizon (92)
Spending Upper Limit (No limit on spending)	Withdrawn
Retirement Spending Plan	Constant Spending Reality Retirement Planning Changing Consumption The Lifecycle of Spending The Age Banding
IRA to Roth IRA Conversions	No Partial Roth Conversions 15% Tax Bracket Ceiling 25% Tax Bracket Ceiling 28% Tax Bracket Ceiling 33% Tax Bracket Ceiling 35% Tax Bracket Ceiling 39% Tax Bracket Ceiling Unlimited Conversions

Glide Path (Introduction)	Tax-deferred	Roth	After-tax
At Retirement. % Invested in Stocks (100%)	%	%	%
At Plan End % Invested in Stocks (100%)	%	%	%
Stock Investments Rate of Return (6%)	%	%	%
Fixed Income % Yield (3%)	%	%	%

Inflation	Income	Spending
Inflation Rate (2%, 4%)	%	%

Taxes
After-tax Account Capital Gains Tax Rate (15%)		%
Current Marginal Personal Income Tax Rate (15%)		%
Retirement State Income Tax Deductions & Exemptions		$
Retirement State Income Tax Rate		%
Social Security Exemption From State Income Taxes		$
Pension Income Exemption From State Income Taxes		$

Extraordinary Nonrecurring Events

Age Expense Income

3-PEAT Retirement Income Management Simulation
Year to Begin Historical Simulation
Spending Ceiling	$
Essential Spending -- Floor	$

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