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Old 01-06-2015, 11:27 AM   #21
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Join Date: Jan 2008
Location: Los Angeles but not for long
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ESPlanner's suggestions are based on life-cycle consumption smoothing, balancing a living standard through time. If you buy the ESPlanner Plus, which I did, you get all of the detailed reports you mentioned, plus a detailed report giving you annual spending suggestions based on your input. There's also an estate report which provides year by year figures. Actually, there are many reports. I've actually taken the time to study the reports, which is why I'm comfortable "outsourcing" my analysis to them.

"He who knows that enough is enough will always have enough."
40/60 AA; < 2.5% WR; Delaying SS until 70
ER Date: 5/15/15
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Old 01-06-2015, 11:37 AM   #22
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Join Date: Aug 2013
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I just started using MoneyGuidePro. It seems to have wide usage in the financial planning community. I purchased it for doing some pro bono planning work and use it for myself, of course. :-)

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