for bjsullivan:http://www.dp-net.com/orp/index.html The Optimal Retirement Planner (ORP) is free and quite usable. I'm satistified with its security. If you use ORP, please try both term certain (and notice the astounding peak in you income taxes near the end of the term) and recalculation (and notice how much will probably be left in the account at your probable demise, sorry to mention it). There's no obligation or cost to use ORP but comments are welcome. I'd be interested in your comments here, too. I have asked the ORP people to improve ORP's modeling of income tax calculations, particularly accounting for a cost basis in the taxable account holdings, so that sales are partly return of capital. ORP is useful to me in providing a second opinion of the results produced by my personal spreadsheet. They match within about 2%.Regards,Chips
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