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 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 2012, 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)

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	Retirement Plan Analyzer 2011.00 (CD-ROM)	$595 plus s/h
	Retirement Plan Analyzer 2011.00 (Download)	$595