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Retirement Plan Analyzer 2017.00
(formerly the Pension & ROTH IRA Analyzer)


This is the ideal tool for the pension professional. It is designed to evaluate pension and profit-sharing distribution strategies:

  • 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 2017.00

  1. The Applicable Exclusion Amount for estate and gift taxes is $5,490,000 for 2017.
  2. Income Tax Rates were updated to include 2017.

  3. AFR rates were updated through March 2017

  4. The State Death Tax Manager includes state death tax changes (DC, MD, RI and WA).

  5. The program Help was updated.

Changes in Retirement Plan Analyzer 2016.00

This is a major update.
New Features

  1. The State Death Tax Manager has been redesigned in order to handle new state death tax changes for future years (such as for NY and MD) including future inflation adjustments and rates that change during the year. The State Death Tax Manager has been updated with changes to NY, NJ , MD and DC.

  2. State Death Tax Manager screens now have inputs for Threshold, Exemption, Exclusion and Credit with inflation options and rounding methods. Other inputs deal with how the state and federal exclusions and exemptions are aligned.
  3. In the Report Selection window, a new Estate Diagnostic report has been added in the Presentations area.

  4. The Applicable Exclusion Amount for estate and gift taxes is $5,450,000 for 2016.

  5. Income Tax Rates were updated through 2016.
  6. AFR rates were updated through November 2016.

  7. The program Help was updated.



Changes in Retirement Plan Analyzer 2015.00

Numerous changes have been made to the program:

    • The Applicable Exclusion Amount for estate and gift taxes is $5,430,000 for 2015.

    • Income Tax Rates were updated through 2015.

    • The State Death Tax Manager has been updated with changes to DE, HI and WA.

    • The Estate Tax screen in the Taxes section of the program now includes a new input: Maximize Stretch (Do not use Retirement Accts to Pay Estate Tax).  When checked (which is the default), the program only uses Other Assets to pay for the Estate Taxes. If the balance of Other Assets is insufficient to pay the taxes, the program assumes that the remaining portion of the estate tax expense is covered outside of the analysis. If the box is unchecked, the program will liquidate assets in the following order to satisfy the estate tax: (1) Other Assets, (2) Retirement Plan, (3) Roth IRA, and (4) Roth 401(k).

    • Various improvements have been made in areas such as page numbering, the handling of the estate exclusion inflation rate when using the Case Analyzer, the portability of the spouse exclusion in Bypass Trust cases, and the handling of the §691(c) deduction for multiple beneficiary cases.

    • AFR rates were updated through June 2015.

    • The program Help was updated.


    Changes in Retirement Plan Analyzer 2014.00

      • The Case Analyzer has a new option for Life Insurance (Second to Die).

      • The Pre-59½ Distributions part of the program has a new feature:  a Distribution Desired calculation.  To use this feature, click on the Calculate for Distribution Desired checkbox and then enter a value for Distribution Desired.  When using this feature, it is helpful to click on the Date Tab (which is immediately to the right of the Comparison Tab).  You will then see changes to the report as you make changes to inputs such as the Distribution Desired or Calculation Method.  The Distribution Desired input is used to calculate the smallest account balance necessary to produce the desired distributions.  This can help determine the plan amount to segregate for early distributions.  Note that the amount you enter for Distribution Desired is the amount of each distribution.  For example, if you select a Distribution Frequency of Quarterly, the calculated plan balance would result in each quarter’s distribution being the Distribution Desired amount you entered. 

      • The Applicable Exclusion Amount for estate and gift taxes is $5,340,000 for 2014.

      • Income Tax Rates were updated through 2014.

      • The State Death Tax Manager has been updated to v. 3.40 with recent changes to MN, NY, RI and WA.

      • AFR rates were updated through August 2014.

      • The program Help was updated.


      Changes in Retirement Plan Analyzer 2013.11

      1. The Case Analyzer has a new option for Life Insurance (Second to Die).

      2. The Pre-59½ Distributions part of the program has a new feature: a Distribution Desired calculation. To use this feature, click on the Calculate for Distribution Desired checkbox and then enter a value for Distribution Desired. When using this feature, it is helpful to click on the Date Tab (which is immediately to the right of the Comparison Tab). You will then see changes to the report as you make changes to inputs such as the Distribution Desired or Calculation Method. The Distribution Desired input is used to calculate the smallest account balance necessary to produce the desired distributions. This can help determine the plan amount to segregate for early distributions. Note that the amount you enter for Distribution Desired is the amount of each distribution. For example, if you select a Distribution Frequency of Quarterly, the calculated plan balance would result in each quarter’s distribution being the Distribution Desired amount you entered.

      3. The Applicable Exclusion Amount for estate and gift taxes is $5,340,000 for 2014.

      4. Income Tax Rates were updated through 2014.

      5. The State Death Tax Manager has been updated to v. 3.40 with recent changes to MN, NY, RI and WA.

      6. AFR rates were updated through August 2014.

      7. The program Help was updated.

      Changes in Retirement Plan Analyzer 2013.00

      Numerous changes have been made to the program:

      1. The User interface has been modified to provide for easier program use. The Client Information screen has been simplified and the entry of information for Alternatives has been moved to a separate screen.

      2. Growth Rate inputs now accept negative values.

      3. The Spousal Rollover window has an additional input for cases where the spouse rolls over an IRA in a year later than the owner’s death year.

      4. The Contribution Information window now has a Max Allowed input for accounts other than Other Assets. When it is selected, you may select the Maximum Limit Rules to Apply.

      5. The Distribution Information window now includes a Distribution for the Current Year Already Taken Place? input. When it is answered Yes, an additional input is displayed: Current Year Distribution Applies to RMD.

      6. The State Death Tax Manager was updated to version 3.20. The following states were updated since the last release: CT, DC, DE, HI, IL, IN, ME, NC, OR, RI and TN.

      7. The Applicable Exclusion Amount was updated for 2013 to $5,120,000.

      8. AFR rates were updated through January 2013.

      9. Numerous other improvements have been made.

       

      Changes in Retirement Plan Analyzer 2011.00

      •A new 2010 Tax Relief Act tab in the Taxes section now includes new income tax and estate tax selections that apply to 2010 and 2013+. For years after 2012, the Estate Tax Calculations input includes two choices: 2012 Rates in 2012+ and 2013 Sunset. For 2010, the choices are 35% Rate and No Estate Tax.

      • In the Taxes section, the Estate Tax tab now includes a Prior Gifts input.

      • On the Main Inputs screen, the Inflation Rates pop-up box adds inflation rates for Estate Tax Exclusion and Income Tax Brackets.

      • On the Main Inputs screen, a computer icon has been added to the left of Other Assets to calculate the amount needed to pay Roth conversion tax for a selected alternative.

      • In the Income, Expenses, Contributions, Distributions section, Add Distribution now has a Spend Distributions selection. When a Roth IRA is selected in the Add Distribution window, a Create Based on Alternative 1's After-Tax RMD selection allows Roth IRA distributions to be set equal to the after-tax amount from the Retirement Plan (traditional IRA).

      • A Fact Finder may be printed from the File Menu.

      • Presentation Reports: Asset Comparison includes a second graph; Net Distributions Comparison adds conversion expenses; Minimum Distributions for Inherited IRA includes beneficiary information.

      • For an Inherited IRA (Owner with a Beneficiary) case where a plan owner dies in the year following the Age 70½ Year, the program now has a selection which will appear on the Assumed Dates of Death window on the Main Inputs screen to handle the case where the death occurs prior to the Required Beginning Date (Is Death in First Quarter of Required Begin Date? input). This affects RMD calculations.

      • Report Options added a selection for a Cover Page.

      • The State Death Tax Manager was updated to version 3.01 to handle estate tax changes in its Death Tax Illustration and to include state changes.

      • The AFR rates were updated through February 2011.

      • A new File Association feature allows you to click on a data file which then opens the program.

      Changes in Retirement Plan Analyzer 2009.02
      (It is recommended that all users of prior versions update to v. 2009.02)

      1. Numerous changes have been made to the Case Analyzer feature (particularly the Inherited IRA Analysis).

      2. The Growth Rates input had its default value changed to 6%.

      3. Improvements have been made to the Asset Comparison Report and the Net Distributions Report.

      4. Numerous other changes have been made to the program.

      5. AFRs updated through 2/2010

      Changes in Retirement Plan Analyzer 2009.01

      1. Roth IRA Conversions: On the Taxes screen with Income Tax Rates checked, the Tax Rate During Conversion input was only being used for the conversion year. This has been changed for cases in 2010 where the income tax liability is spread out to 2011 and 2013, the conversion rate is also used for those years.

      2. In some cases, AFR downloads weren't being performed. This has been corrected.

      3. For the Case Analyzer, the message to save inputs before exiting was not always being generated as appropriate. This has been corrected.

      4. AFRs updated through 1/2010.

      5. Changes were made to various reports and a number of other changes were made.

      Changes in Retirement Plan Analyzer 2009.00

      1. The program now begins with a Quick Start Menu.

      2. A new Case Analyzer feature has been added.  This feature helps you to quickly do several analyses:  Roth IRA Conversion, Roth IRA Conversion with Social Security, Stretch IRA Naming Beneficiary and Inherited IRA.  New cases will be added in future releases.

      3. The Insurance screen has a number of changes.  There is a new input, Pay Income Taxes from Other Assets.  If unchecked, the same Fund that pays premiums is used.  The input for Death Benefit Includable in Estate of has a selection of Owner and, when appropriate, a Spouse selection.  If neither Owner nor Spouse is selected, then Out of Estate is assumed.  The inputs for Year Premium Must be Paid and Years of Benefit Coverage now include a Calculate button with three choices:  Owner’s Lifetime, Until Second Death, and Entire Analysis.

      4. On the Income, Expenses, Contributions, Distributions screen, the window for Add Income adds a new Spend selection for the input Select Where to Invest Income.  In effect, this eliminates the income added, buts uses the value for AGI purposes only.

      5. On the Taxes screen, you can now enter a custom rate for future income tax brackets by unchecking the input for Use Inflation Rate for Tax Brackets

      6. The Input Assumptions window, which may be accessed from the Edit Menu, is now directly linked to from a number of various screens. 

      7. The State Death Manager and its state death tax data file have been updated.

      8. The AFR rates have been updated through 11/2009.

      9. Numerous other changes have been made.

      View full version history. (Includes versions prior to 2009.xx)

      Buy Online
      System Requirements
      Retirement Plan Analyzer 2013.00 (CD-ROM) $595 plus s/h
      Retirement Plan Analyzer 2013.00 (Download) $595

      As is the case with all Leimberg and LeClair Inc. software, Retirement Plan Analyzer comes with a 30-day, "no-questions asked" 100% money-back guarantee.

      Please call 610 924 0515 (to place a phone order)

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