Intelligent Planning for Early Retirement
Build your best plan to achieve financial freedom, and get there faster than you thought possible.
Online retirement calculators do nothing to analyze the unique challenges of early retirement, and more importantly,
nothing to help you navigate the many options that will minimize your taxes, maximize your entitlements, and stretch your assets
so you can retire earlier with greater confidence. EarlyRetire Pro
builds you a real plan,
showing you how to get the highest income in retirement, and giving you a
platform to explore options, make difficult decisions, and discover new
shortcuts. With an easy-to-use interface that lets you apply a host of smart
strategies, you're never again at the mercy of your finances!
- Design the best plan to reach your goals
with an easy, flexible plan builder and tools for optimization.
- Use Monte Carlo Simulation
to test in real
market conditions* and find your level of confidence.
- Accelerate early retirement
using smart tactics like tax leveling, annual Roth conversions, 72t (penalty-free IRA withdrawals), or
Reality Retirement Planning.
- Test your own ideas
to stretch your assets, and explore future plans like a second home, college expenses, or a reverse mortgage.
- Maximize Social Security benefits
with a detailed filing strategy optimized for you and your current or ex-spouse.
- Maximize the new Affordable Care Act Tax Credit
reduce your health insurance costs.
- Design an investment portfolio to meet your specific needs.
- Have confidence going forward
with a detailed pre- and post-retirement cash-flow schedule and annually updated tax tables.
- Manage clients with professional features
like customized reports,
data importing, and client security.
Don't think you can retire early? You could be in for a surprise...
Early retirement is a daunting challenge, but for those who want to live the dream, EarlyRetire Pro™
is designed to be your co-pilot.
It not only simplifies the complexities of retiring
early, it can stretch your wealth in ways you didn’t know were possible.
Intelligent planning is the key to success.
Retire earlier by intelligently navigating early retirement.
overlooked by most retirement software, like early distributions, tax penalties,
college costs, social security planning and health care, make early retirement a special challenge.
By applying strategies like income tax leveling, income deferment, early 72t (SEPP) withdrawals, or
Reality Retirement Planning,
EarlyRetire turns these challenges into opportunities.
Optimize use of your various tax-sheltered assets automatically
through all phases of life as you build your plan, using Monte Carlo Simulation
in real historical markets* to measure probability. Quickly compare
your options and test ideas
to stretch your assets further... Will paying more income tax now save you in the long run? Could you use your home equity to avoid
Do you know how to use a 72t Plan? EarlyRetire comes to your rescue with options you probably never considered, and lets you explore ideas of your own.
Creatively explore future plans…
college expenses, inheritance, sale of a business, a second home, even semi-retirement.
Plans are easy to adjust and re-evaluate as situations change. You ask your own questions by setting desired goals and calculating
needed actions, while EarlyRetire’s tailorable optimization works constantly in
the background—always seeking the shortest distance.
Make sophisticated planning easy...
Reality Retirement Planning,
the most exciting new concept in financial planning.
By combining government
research with computer modeling, RRP enables you to retire sooner with less
- Maximize your Social Security benefits!
Yes, EarlyRetire performs the complex number crunching to solve one of the biggest problems seniors face. Complicated new rules for spouses
present new strategies with myriads of possibilities. EarlyRetire analyzes all options... file-and-suspend, restricted spousal application,
early or deferred filing—whether you're married, divorced or widowed—and produces a timeline showing the best time each partner should file
for each benefit. Taking the right actions at the right times can make an enormous difference in your lifetime benefit
and critically improve retirement.
- Maximize the Affordable Care Act Subsidy!
You may be surprised to
learn you could qualify for reductions in healthcare premiums as an early
retiree. EarlyRetire not only
calculates what your premiums will be under the new law, it
rearranges your retirement income to maximize the amount of subsidy you receive. Now is
the time to examine how you can change your savings and withdrawal strategy to
intelligently benefit from this new entitlement and minimize what is likely to
be your greatest retirement expense.
- Design an
investment portfolio to meet your required rate of return
probability and minimum risk using EarlyRetire's Portfolio Designer. You
can choose between several methods of analysis, including Monte Carlo
simulation using real market data.*
- Make professional presentations
with custom headings, graphs, and optional advisor/client information. Designed with
professionals in mind, EarlyRetire manages any number of plans, maintains client information securely, and can import a
client’s financial information from a text file.
- Calculate any of the essential variables you control,
see which are the most sensitive, and zero in on the
- Annual savings contributions
- Type of savings (IRA, Roth, taxable, etc)
- Retirement age
- How much you can spend during retirement
- Net worth over time
- Income tax during retirement
- Life expectancy
- Whether to preserve or consume assets during retirement
- Amount to leave behind
- Pre- and post-retirement asset allocation
- Inflation effect
- Retirement living expenses
- Other retirement income (Social Security, pensions, etc.)
A detailed plan guides you every step of the way,
showing inflation-adjusted savings requirements, retirement
distributions, cash flow, and projected tax liability for every year of your life. IRS tax tables and market data are
automatically downloaded every year to keep your plan accurate as you go.
EarlyRetire doesn't tell you it can't be done.
Its mission is to give you control over your life and let you architect your
own future. Tell EarlyRetire where you want to go, and let it light the
"Leaves nothing to chance where saving for retirement is concerned...you can generate a comprehensive retirement strategy in short order."
"Provides an exploratory view of the
user's total financial lifespan, allowing anyone ̶ college
grad to retiree ̶ to instantly examine the effects of key decisions
and quickly compare a wide variety of retirement possibilities."