Index

• A
• AARP survey 1
• Actuarial tables 1, 2, 3
• Adding insurance 1, 2
• Additional expenses 1, 2, 3
• Adjusted to CPI, 1, 2, 3
• Adjusting annuity payments 1, 2
• After-tax 1
• After-tax money 1
• After-tax spending, sustainable 1
• Amount of life insurance calculated 1
• AMT calculations 1, 2
• Annuitants 1, 2, 3, 4, 5, 6, 7, 8, 9
• Annuities 1, 2, 3, 4, 5, 6, 7, 8, 9
• – adjusted 1
• – basis 1, 2
• – calculation 1
• – cost 1, 2
• – deferred 1, 2
• – existing 1
• – joint 1, 2, 3
• – payments 1, 2, 3, 4, 5, 6, 7, 8, 9, 10
• – premiums 1, 2, 3
• – optimizer 1
• – policy 1
• – single-life 1, 2
• – single-premium 1
• – spouse’s 1
• – straight life 1
• Annuity improve sustainable retirement spending 1, 2, 3, 4, 5, 6, 7, 8
• Annuity rates 1, 2
• AnnuityBasis 1, 2, 3
• AnnuityCost 1, 2, 3
• AnnuityInflationAdjusted 1, 2, 3
• AnnuityIsJoint 1, 2, 3
• AnnuityIsSingleLife 1, 2, 3
• AnnuityMonthlyPaymentPer1KCost 2, 3, 4
• AnnuityReturnOfPremium 1, 2, 3
• Annuity’s basis, existing 1
• AnnuityStartDate 1, 2, 3
• Approximation, successive 1
• Asset depletion 1
• Asset nominal return 1, 2
• Asset nominal return variable 1, 2
• Assets 1, 2, 3, 4, 5, 6, 7, 8, 9
• – couple’s 1
• – financial 1
• – post-tax 1
• – pre-tax 1
• – selling 1, 2
• – taxable 1, 2, 3, 4, 5
• – total 1, 2, 3, 4
• Assets depleted 1
• Assets tab 1, 2, 3, 4, 5, 6, 7, 8, 9
• Assignment 1, 2, 3
• Assumptions 1, 2, 3, 4, 5, 6, 7, 8, 9
• Assumptions set 1, 2, 3, 4, 5
• Assumptions tab 1, 2, 3, 4, 5, 6, 7, 8, 9
• Automatic death date calculation 1
• B
• Basic mode 1, 2, 3, 4, 5, 6, 7, 8, 9
• Basis 1, 2, 3, 4, 5, 6, 7, 8, 9
• – yearly 1, 2
• Basis box 1, 2, 3, 4
• Batch processing mode 1
• Batch processing mode option 1, 2
• Benefits 1, 2, 3, 4, 5, 6, 7, 8, 9
• Birthday 1, 2, 3
• Brokerage account, taxable 1, 2
• Bugs 1, 2, 3
• Button 1, 2, 3, 4, 5, 6, 7, 8, 9
• C
• Calculate button 1, 2, 3, 4, 5, 6, 7
• Calculating
• – capital gains 1
• – capital-gains taxes 1
• – sustainable after-tax spending 1, 2
• – sustainable retirement spending 1, 2, 3, 4, 5, 6, 7, 8, 9
• Calculation of full retirement age 1
• Calculations 1, 2, 3, 4, 5, 6, 7, 8, 9
• – pensions 1
• – taxes 1
• Calculator 1, 2, 3, 4
• Capital gains 1, 2, 3
• – long term 1, 2
• – long-term 1, 2
• – tax bracket 1
• – tax treatment 1
• – taxation rules 1
• Cash 1, 2, 3, 4, 5, 6, 7, 8, 9
• – TRA, 1, 2, 3, 4
• – account 1
• – after tax & ins 1, 2, 3
• – assets 1, 2
• Cash amount, new 1
• Cash and TRA, 1
• Cash before tax & ins 1
• Cash before tax & ins row 1
• Cash delta 1, 2, 3
• Cash flow 1, 2
• – highest after-tax 1
• – inflation-adjusted 1
• – potential 1
• Cash holdings, change in your 1
• Cash nominal return 1, 2, 3, 4, 5, 6
• Cash nominal return assumptions 1, 2
• Cashflow, yearly 1
• CDs 1
• Clear buttons 1, 2, 3
• Clearing data 1, 2, 3
• Client’s estimate premium button, 1
• Client’s policy, 1, 2
• Command 1, 2, 3, 4
• Command line 1, 2, 3
• Command-Line Interface 1, 2, 3, 4, 5, 6, 7
• Commission 1, 2
• Comparative Results 1, 2, 3
• Compare Last Year’s Projections 1
• Continuing Income 1, 2
• Contributions, pre-tax 1
• Cost basis 1, 2, 3
• CPI, 1, 2, 3, 4, 5
• CPI checkbox 1, 2
• D
• Date 1, 2, 3, 4, 5, 6, 7, 8, 9
• Death 1, 2, 3, 4, 5, 6, 7, 8, 9
• – client’s 1
• – early 1, 2, 3, 4, 5, 6, 7
• – second 1
• Death benefit 1
• Death dates 1, 2, 3
• Death years 1
• Deductions 1, 2, 3, 4, 5
• – itemized 1, 2
• – standard 1, 2, 3, 4
• Dividends 1, 2, 3
• DOB, 1, 2, 3, 4, 5, 6, 7, 8
• – client’s 1, 2
• E
• Earnings 1, 2, 3
• – preretirement 1
• Effects of inflation and estimated federal income taxes 1
• Estate 1
• Estimate PIA, 1, 2, 3
• Estimate PIA button 1, 2
• Estimate premium 1, 2
• Estimated federal income tax 1
• Estimated SS benefit 1, 2
• Estimated SS benefit field 1
• Estimated taxable amount 1, 2, 3, 4, 5, 6, 7, 8, 9
• Estimated taxable amount field 1, 2
• Estimated Taxable Portion Of Monthly Payment 1, 2, 3
• Estimating sustainable spending 1
• Estimating taxes 1
• Exemptions 1, 2, 3, 4, 5
• Existing insurance 1, 2, 3
• Existing life insurance 1, 2, 3, 4, 5, 6, 7, 8, 9
• Existing life insurance and suggested insurance 1, 2, 3
• Expected additional expenses 1, 2, 3, 4, 5, 6, 7, 8, 9
• Expected additional expenses tab 1, 2, 3, 4, 5
• ExpectedExpenseAmounts 1, 2
• Expert Mode 1, 2, 3, 4, 5, 6, 7
• F
• Family income 1, 2
• FICA, 1
• – salary after 1
• – taxes 1, 2
• File header 1, 2
• File layouts 1
• File type 1, 2, 3, 4, 5
• Financial planner 1, 2, 3, 4, 5, 6, 7, 8, 9
• Fixed annuities, deferred 1
• Full Retirement Age 1, 2, 3
• G
• GUI, 1, 2, 3, 4, 5, 6, 7, 8, 9
• GUI Interface 1, 2, 3, 4, 5, 6, 7, 8, 9
• H
• Heirs 1, 2, 3, 4, 5, 6, 7, 8, 9
• Husbands 1, 2, 3, 4
• I, J
• Immediate annuity 1, 2, 3, 4, 5
• Immediateannuities.com 1, 2, 3, 4, 5, 6
• Improve sustainable retirement spending 1
• Income 1, 2, 3, 4, 5, 6, 7, 8, 9
• – interest 1
• – lost 1, 2
• – sources 1, 2
• Income tab 1, 2, 3, 4, 5, 6, 7, 8, 9
• Income tax brackets 1
• Income taxes 1, 2, 3, 4, 5, 6, 7
• – estimated total federal 1
• – federal 1, 2, 3, 4
• – local 1, 2
• – total 1, 2, 3
• InflateExpectedExpenses 1, 2
• Inflation 1, 2, 3, 4, 5, 6, 7, 8, 9
• – adjustments 1, 2, 3, 4, 5, 6, 7
• – adjustment option 1
• – assumptions 1, 2, 3, 4, 5
• – estimated federal income taxes 1
• – rates of return and rates of 1, 2
• – return on investments 1
• Inflation rate, projected 1
• Inflation-adjusted annuities 1, 2
• – existing 1
• Inheritance 1, 2
• Insurance 1, 2, 3, 4, 5, 6, 7, 8, 9
• – amounts 1
• – analysis 1
• – calculation 1
• – company 1, 2, 3, 4, 5, 6, 7, 8, 9
• – estimated life 1
• – existing life 1, 2
• – dates 1
• – expires 1, 2
• – optimizer 1, 2, 3, 4
• – payout 1, 2, 3, 4, 5, 6, 7, 8
• – policy 1, 2
• – policy expires 1, 2
• – premium cutoff entries 1
• – premium difference 1
• – premiums 1, 2, 3, 4, 5, 6, 7, 8, 9
• – ratings 1, 2, 3, 4, 5
• – term life 1
• – term 1, 2, 3
• Interest 1, 2, 3, 4, 5, 6
• Interest rates 1, 2
• IRS regulations 1
• K
• Known limitations 1, 2, 3
• L
• LatestDeathEstimate 1, 2, 3
• Legacy entry 1
• Level of spending 1, 2, 3, 4
• Licensed insurance agent 1
• Life annuities 1, 2
• – fixed 1
• – single 1
• Life expectancy 1, 2, 3, 4, 5, 6, 7, 8
• – percentile 1, 2, 3, 4, 5, 6
• Life insurance 1, 2, 3, 4, 5, 6, 7, 8, 9
• – suggested 1
• – calculated 1
• – multiple 1
• – payout 1
• – policies 1, 2
• – premiums 1, 2, 3, 4, 5
• – rates 1, 2
• LifeAnnuityIncome 1, 2, 3
• Lifespan 1, 2, 3, 4
• Lifespan, Max 1, 2, 3
• Lifespan estimates 1, 2, 3
• – calculation of 1, 2
• Liquidate 1
• Longevity
• – median 1, 2, 3
• – percentile of 1, 2, 3
• Longevity box 1
• Loss 1, 2, 3, 4, 5, 6, 7, 8, 9
• LTCG, 1, 2, 3, 4, 5
• M
• Manual 1, 2, 3
• Manual death years 1, 2, 3, 4
• Manual yearly spending 1, 2, 3, 4
• Manual yearly spending feature 1, 2
• Market for retirement spending optimization 1, 184
• Married couples 1, 2, 3, 4, 5
• Median lifespan 1, 2, 3, 4, 5, 6, 7
• Median longevity box 1, 2
• MedianDeathEstimate 1, 2, 3
• Monthly payment 1, 2, 3, 4, 5, 6, 7, 8
• – initial 1, 2, 3
• Mortality 1, 2, 3
• Mortality rates 1, 2, 3
• Mortgage 1
• N
• Non-smoker 1, 2
• Nontaxable income 1, 2
• NS, 1, 2, 3