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 | How many years will I need to plan for income? |
| Will my money run out before I do? |
| What effect will my retirement plan withdrawals have on my income taxes? |
| If I sell my home and purchase a smaller one, how much will that impact my retirement? |
| What effect will inflation have on my income needs? |
The Golden Years program provides the flexibility to perform nearly unlimited "what-if" scenarios. Change the inflation rate or amount of income needed up to five times. Change the earned income and pension plan amounts up to five times to account for changing needs or special plan options. In years when the client has surplus income, specify what percent is reinvested in each of four different savings and investment categories, and change the mix after retirement or another specified age. Run the report either with or without indexing of the IRS tax rate brackets. Finally enjoy the freedom of true flexibility.
Program specifics:
| Pentium class CPU . |
| 32 meg of RAM memory required . |
| Up to 30 megs of Hard drive space required. |
| Any printer supported by Windows, including color. |
| Free 15 use trial version available, |
| Golden Years - $750, updates $250 (Requires Windows 9x, NT, 2000) |
Golden Years combines a unique level of flexibility, detailed analysis, and
graphic presentation with a quick learning curve and easy to use operation.
Entering assets and personal expenses can be simple and brief, or you may enter an
unlimited number of assets. Especially popular is the "Audit Trail" feature that
allows you to trace all calculations and sources through the carefully constructed detail
reports.
Some of the most popular Golden Years reports include:
| Cash Flow: Illustrates the client's annual income and expenses, including personal living expenses, life insurance and other premiums, mortgage and debt repayment, taxes, planned deposits to investments and retirement accounts, other miscellaneous expense items. Also calculates earned income (wages and self-employment), pension plans, Social Security, and other miscellaneous sources. Includes the graph shown below. |
| Retirement Projection: Provides a snapshot of the client's capital and how long it will last over the client's life expectancy. The graph below displays at what point the client has run out of money and experiences a capital shortage. |
| Sources of Funds: Each year a client's spendable money comes from several different sources. The Sources of Funds report and graph display for the client what specifically is making up their future cash flow and at what age each source will begin and end. |
| Other Reports: In addition to the above reports, Golden Years will print and display on-screen dozens of additional reports that will help your clients visualize potential problems and solutions in their retirement planning. |
Unless you have the tools to provide a clear and accurate picture of your client's present and future needs and resources, your ability to provide investment and financial advice will be based on too much guess work. The Golden Years Retirement Resource Manager heralds a new breed of planning and analysis capability, allowing the planner and client to see the effects of strategies and changes each year into the future. Through a combination of summary pages and graphs combined with detailed support pages, the client can gain a new level of comfort with your recommendations.
If you would like to obtain a demonstration version of the Golden Years program, please see the Demonstration Disks section for downloading instructions.
Questions? Call 800.831.7636
Send mail to
info@software4advisors.com with questions or comments about
this web site.
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Golden
Years