NewRetirement

Michelle Dash

Nancy Gates

Davorin Robison

Articles and videos designed to provide insight into each section of My Plan and help you personalize your Plan.

My Plan FAQ's

Follow these instructions to quickly update the email address associated with your NewRetirement account.

How Can I Change the Email Address Associated with My Account?

This article shows where to change your payment method.

How Can I Update My Credit Card Info?

Your NewRetirement Account

This article describes all of the elements of your Overview.

Your Overview

This article describes many of the assumptions underlying the Planner's operations.

NewRetirement Planner Assumptions

This article describes default rates, adjusting rates, how inflation impacts your plan, and interaction with the Social Security COLA.

What are the Default Rates in the Planner?

Is NewRetirement suitable for Canadians or other non US citizens planning for retirement?

This article describes the Planner's functionality around expenses.

Planner Operations: Funding Expenses

This article describes the default withdrawal order, changing the order of withdrawals and accounts for RMDs, and manual withdrawals.

Planner Operations: Withdrawals

Planner Operations: Taxes

This article describes how PlannerPlus treats retirement income in your state.

State Income Tax Exemptions

Tips for using our voting-based suggestion box

Suggestion Box FAQs

This brief article shows how to close the chat window.

How do I get this chat off of my screen?

This article will help you understand the impact of the time value of money in your plan.

Should I enter today’s dollars or future dollars?

This article explains how to read the plan health chart on the dashboard.

How do I use the Plan Wellness Chart?

This article describes the Income Score, its use in interpreting your plan, and that we are not applying a 4% withdrawal in your plan.

What does the Income Score represent?

This article explains what Monte Carlo simulations are and how they play a key role in a comprehensive financial plan

What is Monte Carlo analysis?

This article describes a number of common methods to help you evaluate the uncertainty and risk around your portfolio and your plan.

Monte Carlo simulation and your plan

This article explains how to model common scenarios for expats.

I live outside the US, how do I model income that is not taxed?

This article explains why you may see shortfalls while there is no net savings drawdown in the year.

Why am I seeing a shortfall on my Insights > Estimated Income, Drawdowns, and Debt Chart?

This video demonstrates how to increase your Plan completeness.

How do I increase my Plan completeness?

You may have noticed your Plan Completeness Score drop with the recent update to My Plan. This article outlines how to get back to 100%.

How do I increase my Plan Completeness?

Planner Operations and Overview

This article describes how your asset rates of return affect your plan.

The importance of asset rates of return

This article describes how to include asset allocation considerations in your projections.

How do I model Asset Allocation?

This article discusses how to choose ordinary income or capital gains tax treatment for your accounts.

Which tax treatment do I choose for my after-tax accounts?

This article explains how to enter checking accounts, savings accounts, emergency funds, and CDs.

How do I enter cash accounts?

This article describes how to enter your After-Tax Accounts.

How do I enter after-tax (brokerage) accounts?

This article describes two types of contributions you may model in PlannerPlus

What Types of Contributions Can I Model in My Plan?

This video demonstrates how to enter Standard and Income Linked contributions in your plan.

How Do I Add Contributions in My Plan?

In this article we describe the best way to model a 401k or other account with Traditional and Roth savings

How do I model a 401K that has both a traditional and Roth savings?

This article describes how to model large employer matches, non elective deferrals, and profit sharing

How do I enter non elective deferrals and profit sharing in My Plan?

This article describes how to identify the cost basis of your after-tax account.

How do I find the Cost Basis of my after-tax account?

This article describes how to enter a variety of bonds in your Plan.

How do I enter I Bonds, EE Bonds, and Treasury Bonds in My Plan?

This article describes how to enter tax exempt bonds and bond funds in your Plan.

How do I enter tax exempt bonds and bond funds in My Plan?

This article defines the Backdoor Roth strategy and details how to enter a Backdoor Roth in your Plan.

How to enter a Backdoor Roth in My Plan

This article describes how to account for after tax contributions to a 401k and the Mega Backdoor Roth Strategy in your Plan.

How to enter after-tax contributions to a 401k in My Plan

The "Update Balances ✎" feature allows for easy manual updates of all accounts at once.

How can I quickly update all of my account balances?

This article describes the funding of contributions in your Plan

How are contributions funded in My Plan?

This article outlines why you may want to exclude your accounts from automatic withdrawals and how to use the Exclude feature

How can I exclude an account from withdrawals?

This article describes a variety of methods to account for Variable Annuities in your plan.

How to account for Variable Annuities in My Plan

This article describes a variety of methods to account for Life Insurance in your Plan.

How to account for Life Insurance Policies in My Plan

This article explains what the Default Account is, why it may appear in your plan, and how to replace it.

What Is the default account?

This article describes how to link accounts and troubleshoot if you linked to a financial institution but do not see your accounts linked.

How do I Link My Accounts?

This article will help you answer common questions about connecting to you financial institutions.

I Have an Issue Linking Accounts

This article describes how to add HSA accounts

How do I model an HSA account?

This article describes adding 529 accounts and contributions.

How do I model 529 accounts?

This article explains how to model withdrawals from a 529 plan.

How do I withdraw from a 529 plan?

This article describes entering a CD in your Plan.

How to enter a CD in My Plan

This article describes how to enter a MYGA in your Plan.

How to enter a MYGA in My Plan

This article explains how to account for deferred compensation in your Plan.

How do I enter Deferred Compensation in My Plan?

This article explains explains how to model repayment of 401k loans.

How do I model repaying 401k loans?

What is a Required Minimum Distribution (RMD)?

This article describes how to model delaying RMDS while you continue working.

How do I simulate delaying RMDs?

This article will show you how to model manual inherited IRA withdrawals.

How do I model inherited IRA withdrawals?

Accounts and Assets

This article describes selling your primary residence and purchasing a new home.

How do I model relocating my primary home in My Plan?

The Planner currently allows for one change to your primary residence. This video demo explains how to work around this and model multiple.

How to model multiple relocations

This article describes the Reverse Mortgage function in your plan.

Reverse Mortgage

This video demonstrates modeling a relocation in your Plan.

Relocating my primary home in My Plan: Demo

How do I model a relocation to a property I already own in My Plan?

This article describes selling your primary home to rent a new residence.

How do I model selling my primary home and renting a new residence in My Plan?

This video demonstrates selling your primary residence and renting a new residence.

Selling a primary home and renting a new residence in My Plan: Demo

This article describes relocating to a new home with the intent to rent your old primary residence.

How do I model relocating to a new home and renting my former home in My Plan?

This video demonstrates purchasing a new primary residence and renting your former home for income.

Relocating to a new home and renting a former home in My Plan: Demo

The Planner currently allows for one change to your primary residence. This article explains how to work around this and model multiple.

How do I model multiple relocations?

This article describes ways to model paying off your home early.

How do I pay off my mortgage early?

This article describes how to account for income from Rental Property in My Plan.

Accounting for Rental Real Estate Income

This video demonstrates adding rental property and rent to your retirement plan.

How do I model rental property and income in My Plan?

This article describes how to simulate Capital Gains on the sale of your primary residence in your Plan.

How to simulate Capital Gains on the sale of your primary residence in My Plan

Home and Real Estate

This article describes how to model making early payment to mortgages, student loans, and credit card debt.

How to make lump sum contributions towards debt

This video demonstrates paying off mortgage and other debts in your Plan.

How to model paying down debt in My Plan

Debts

This short video explains how to best model a taxable bonus.

How To Model a Work Bonus

This article describes how to account for employer HSA contributions in your Plan.

How to model an employer contribution to an HSA in My Plan

This article describes how to enter passive income from Real Estate in your Plan.

How to enter Passive Income from Real Estate in My Plan

This article and video describe entering an Annuity in your Plan.

How to enter an Annuity in My Plan

This article describes entering a Pension in your Plan.

How to enter a Pension in My Plan

This video demonstrates entering a monthly pension in the Annuities and Pensions section of My Plan.

Do you have a monthly pension?

This video demonstrates how to enter a lump sum pension in the Annuities and Pensions section of My Plan.

Do you have a lump sum pension?

This article describes how to model VA Disability Compensation in your Plan.

How to enter VA Disability Compensation in my Plan

This video demonstrates the assumptions and functionality around entering a Windfall in My Plan.

How does a windfall operate in My Plan?

This article describes how to account for Self Employment Income in your Plan.

How to enter Self Employment Income in My Plan

This article describes how to enter ESPP purchases in your Plan.

Employer Stock: Employer Stock Purchase Plans (ESPPs)

This article describes how to enter NQSOs in your Plan.

Employer Stock: NQSOs

This article describes how to enter RSUs in your Plan.

Employer Stock: RSUs

This article describes how to enter ISOs in your Plan.

Employer Stock: ISOs

Income

This video describes entering Social Security in My Plan.

What is your Social Security Benefit and Start Date?

This article describes how to model your Social Security benefit based on your claiming age.

How do I enter my Social Security benefit?

This article discusses adjusting your Social Security Benefit for reduced earnings due to early retirement.

Early Retirement and Social Security

This article describes modeling spousal Social Security Benefits in My Plan.

How to model Spousal Social Security in My Plan

This video explains spousal benefits and demonstrates how to model spousal benefits in My Plan

Spousal Social Security: Demo

This article describes how to account for Social Security Survivor Benefits in My Plan.

Social Security Survivor's Benefits for widows and widowers

This article describes how to account for Social Security Disability benefits in My Plan.

Social Security Disability Benefits

This article explains how to model Social Security Benefits reduced by WEP in My Plan.

Social Security Windfall Elimination Provision (WEP)

This article describes modeling GPO in My Plan.

Social Security Government Pension Offset (GPO)

Social Security

This article will help you decide the best way to model your expenses.

What is the difference between the Basic and PlannerPlus Budgeter?

This article describes the use of two budgets.

What is the difference between "Like to Spend" and "Must Spend"

This article describes the representation of your expenses in your Plan.

Why am I seeing $0 for expenses?

This article describes the functionality of a Disbursement in My Plan.

My Plan FAQ's

Your NewRetirement Account

Planner Operations and Overview

Accounts and Assets

Home and Real Estate

Debts

Income

Social Security

Expenses

Healthcare and Medical Expenses

Money Flows

Roth Conversions

Scenarios and Printing Your Plan