Software

• Computes an almost unlimited number of alternatives under methods such as discretionary or attained age
  
  
• Includes minimum distribution rules
  
  
• Prints comparative graphs and many reports
  
  
• Updated for latest tax law changes

Changes in Retirement Plan Analyzer 2007.04

1. Report Designer was not saving custom reports and was not allowing modification of existing reports. This has been corrected.
2. Start in Req'd Yr buttons on Expenses screen had the word Yr. clipped off.
3. Donee Exclusion Gifting was displaying amounts in the Insurance Fund in addition to the Gift Fund. This has been corrected.
4. Changes made to the program installation.
5. Improvements made to File Location windows to display longer pathnames.
6. AFRs updated.
7. Reports may now be exported to formatted XLS spreadsheet files using the Print to File feature on the Print window.
8. The program adds some additional resizing features which permitting better support for multiple monitors.
9. New features have been added which enhance operation in network installations. These include the Create Desktop Icon feature and Location of Files selection on the File Menu. A Copy Help Files option is now shown on the Help Menu will correct most network problems with help files.
10. Windows Vista support is further enhanced with the Data Files location for saving files now defaulting to a Leimberg program location under the My Documents directory.
11. Improvements have been made to the E-mail Data File feature on the File Menu.
12. A new System Information option has been added to the Help Menu.
13. It is now possible to compare children and grandchildren beneficiary cases in multiple beneficiary cases (i.e., cases when Beneficiary is the Spouse, Spousal Rollover is Yes and Multiple Benef is Yes and also cases where Beneficiary is Child and Multiple Benef is Yes). This means that it is possible in these cases to enter a 0% entry for some beneficiaries in Alternatives 2 to 4.
14. Birth Dates for the beneficiaries may now also be entered on the Client Information screen with data entry conformed to the information shown on the main input screen.
15. The report shown at the bottom of the main input screen may be changed by right-clicking on the report area. This feature had been disabled in v. 2007.02.
16. Some reports with large numbers of beneficiaries were cutting off. This has been corrected.
17. Long descriptions entered for alternatives were overflowing the flowcharts in some reports. In such cases, the descriptions are being shortened by the program to fit into the flowcharts.
18. A number of other cosmetic changes were made.

Changes in Retirement Plan Analyzer 2007.02

1. The Income Tax on Roth IRA was being based on the entire balance instead of on growth (earnings). This has been corrected and new inputs have been added to the Roth IRA screen to help determine when growth is taxed: Year Roth IRA was Established and when relevant (i.e., when the Year Roth IRA was Established is within five years of the Current Year), Earnings included in Roth IRA.
2. Saving and Loading Data Files problems involving Contributions to Roth IRA and some multiple beneficiary cases have been corrected.
3. A RMD calculation based on the life expectancy of the spouse's designated beneficiary for the special case where both the Owner and Spouse die before the RBD and the Spouse has a designated beneficiary has been added to the program. This is the case where the Spouse is treated as the Owner if both die young as noted in §401(a)(9)(B)(iv)(II) and Reg. §1.401(a)(9)-3, A-5, A-6, §1.401(a)(9)-4, A-4(b).
4. Problems when the Number of Yrs input was set to 0 or 1 have been corrected.
5. The ability to Create Report Groups on the Print Window now saves all the selected reports.
6. On the Tax Rates screen, it is now possible to uncheck the custom buttons after custom rates have been entered.
7. Several other minor changes were made.
8. This patch file also updates the State Death Tax Manager to v. 1.50 if not already installed.

Retirement Plan Analyzer version 2007.01 added the following features:

• Support for Roth 401(k)s.
• All tax calculations updated for 2007.
• The State Death Tax Manager which handles state inheritance & estate taxes for all 50 states.
• The user interface was redesigned to make using the program faster and easier.
• Calculations automatically handle the two year spread out of income taxes from Roth IRA conversions in 2010.
• Insurance handling was redesigned for increased flexibility.  Single life policies are now included.  You can also illustrate a case with some policies inside the estate and others outside the estate.
• The program handles nondeductible contributions to retirement plans and contributions from Other Assets can now be illustrated.
• Presentation reports were improved and renamed.  The colors used in graphs were updated.  The standard report groups were redesigned for increased clarity.
• The present value of future deferred distributions is now illustrated on those reports shown as “including Stretch.”
• Up to 10 nonspousal beneficiaries can be included.

Changes in Pension and ROTH IRA Analyzer version 2005.02

• In v2005.01, the Asset Comparison was showing beginning of year balances, which was a little misleading
• Changed the "Minimize Tax" option of the Roth IRA Conversion Data Entry window (click the Calculate button on the Roth IRA window to access this feature). Now, the marginal tax rate is the marginal tax straight from the tax tables, rather than the theoretical number that NumberCruncher uses (the tax on the next $2,500 of income). This change was in response to user feedback.

Changes in Pension and ROTH IRA Analyzer version 2005.01

• Pre-59½ Distributions Graph now shows total projected distributions instead of the first year's distributions,
• Benefits Received presentations now focus solely on distributions from the Pension Fund and Roth IRA,
• Asset Analysis and Asset Comparison presentations have been updated to include donee-exclusion gifting and insurance,
• Calculated AGI is now available in the reports,
• Social Security Analysis report now includes calculated AGI,
• the Roth IRA Conversion Data Entry has been improved to better handle cases where the Optimum percentage is less than 100% and cases that involve the option to Minimize Income Taxes, and
• a new Asset Analysis graph added.

Changes in Pension and ROTH IRA Analyzer version 2005.00

• Presentation style reports with integrated flowcharts and graphics have been added. Click View Reports & Graphics and then Presentations to see them.
  
  
• Improved user interface with a navigator button that gives you quick access to all sections of the software.
  
  
• Taxation of Social Security can now be included. In the Income and Expenses Section, click Add Income and check the box labeled Income is from Social Security.
  
  
• Expanded options for entering Roth IRA Conversation. Click Calculate on the Roth IRA Conversion screen to access a new window that helps you enter Roth IRA Conversations. You can enter a conversion that does not exceed a target tax rate.
  
  
• A Disclaimer can now be printed with the page number. Click the Disclaimer Button on the Report Options window to enter a disclaimer.
  
  
• Reports can now be saved to more file formats including pdf (great for emailing) and rtf (for editing). Click Print to File on the Print Window.
  
  
• Income tax rates have been updated through 2005.
  
  
• Pre-59 ½ distributions window now supports the letter rulings that allow annual recalculation of amortization and annuitization methods.
  
  
• Numerous cosmetic improvements including a revised Client Information window that can be accessed from any input screen.
  
  
• Quick Conversion feature now allows you to turn off the estate taxes

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	Retirement Plan Analyzer 2007.04 (CD-ROM)	$595 plus s/h
	Retirement Plan Analyzer 2007.04 (Download)	$595