Re: J&L Financial Planner
ORP does give a lot of details on which pools to draw from at retirement, but I dont remember if or how it deals with tax transitions.
Havent looked at this one yet. Monte Carlo simulators are interesting but the output of them is only of real use for comparing different portfolio mixes and getting worst case numbers...they're not particularly realistic for testing the validity or survivability of an ER portfolio.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.