| Features |
Easy Money |
Golden
Years |
Retirement
Solutions |
Silver
Financial Planner |
| Details and
Pricing |
|
|
|
|
| Comprehensive financial planning |
|
|
|
|
| Advanced retirement planning and projections |
|
|
|
|
| Specialized reports |
|
|
(10 modules)
|
|
| Quick Retirement analysis
(mini plan) |
|
|
|
|
| Reports/Features
included |
Easy Money |
Golden
Years |
Retirement
Solutions |
Silver
Financial Planner |
| Net Worth |
Single year, three formats |
52 years |
|
Single year |
| Liquidity analysis |
|
|
|
|
| Cash Flow |
Single year detailed, 70
year basic |
52 years detailed |
45 years basic |
56 years basic |
| Income Management |
|
|
|
|
| Financial Goals |
|
|
|
|
| Education Funding |
|
|
|
|
| Asset Summary
(type/class/group) |
|
|
|
|
| Asset Pyramid |
|
|
|
|
| Asset Allocation |
|
|
|
|
| Retirement Needs/Projection |
|
|
|
|
|  Shows
when all funds run out
|
|
|
|
|
| Solves
for rate of return needed |
|
|
|
|
| Solves
for additions needed |
|
|
|
|
| Cash
surplus/shortage
in retirement |
|
|
|
|
| Cash
surplus/shortage
pre-retirement |
|
|
|
|
| Monte Carlo simulation |
|
|
|
|
| Features |
Easy
Money |
Golden
Years |
Retirement
Solutions |
Silver
Financial Planner |
| Asset Projection
(sorted by taxable, tax free, tax deferred, equity,
retirement plans) |
|
|
|
|
| Change
rate of return after retirement |
|
|
|
|
| Interest/div
- choose to take in cash or reinvest |
|
|
|
|
| Specify
portion of div/CG taxable |
|
|
|
|
| Rebalance
asset accounts
at any year |
|
|
|
|
| Stock options
(includes a summary page as well as details of 9
ISOs and 9 NQSOs) |
|
|
|
|
| Defined benefit pensions |
|
|
|
|
| Number
defined pensions per individual |
2 |
2 |
1 |
1 |
| COLA
calculated by % |
|
|
|
|
| COLA
calculated by $ amount/year |
|
|
|
|
| Defined contribution plans |
|
|
|
|
| Specify
age and amount of withdrawals |
|
|
|
|
| Stop
deposits at age other than retirement |
|
|
|
|
| Minimum
distribution automatically calculated (using MDIB tables) |
|
|
|
|
| 72(t)
(pre 59.5 withdrawals) |
|
Manual entry |
|
|
| Lump
sum (10 year average & IRA rollover) |
|
Manual entry |
|
|
| Roth
treated as separate asset |
|
|
|
|
| Features |
Easy Money |
Golden
Years |
Retirement
Solutions |
Silver
Financial Planner |
| Income Tax
(full tax analysis) |
Single year |
52 years |
|
|
| Annual
tax using effective/estimated rates |
|
|
|
|
| Annual
tax using real IRS tax rate tables |
|
|
|
|
| Indexing
of tax rates |
|
|
|
|
| Capital
gains treatment on withdrawals |
|
|
|
|
| AMT
calculated |
|
|
|
|
| State
taxes - uses actual state rate table |
|
|
|
|
| State
tax - estimated each year |
|
|
|
|
| Worksheet
for extra income, credits, taxes |
|
|
|
|
| Sale of residence (automatically computed) |
|
|
|
|
| Misc. income/expense |
|
|
|
|
| Single
year (inheritance, etc.) |
|
|
|
|
| Multiple
year (deferred comp, etc.) |
|
|
|
|
| Debts amortized |
|
|
|
|
| Payments
phased out in retirement reports |
|
|
|
|
| Payments
phased out in survivor reports |
|
|
|
|
| Tax Favored Investing (compares results
of different account types) |
|
|
|
|
| Estate Tax |
|
|
|
|
| Simple
wills |
|
|
|
|
| Credit
shelter trust |
|
|
|
|
| Client
first / spouse first |
|
|
|
|
| Projects
trust savings into future |
|
|
|
|
| Estate, survivor and retirement all integrated
with asset projection |
|
|
|
|
| Life Insurance Needed - current year |
|
|
|
|
| Amount needed for death in future years |
60+ years |
|
|
|
| Disability Income Needs |
|
|
|
|
| Soc. Sec. benefit/costs
(automatically computed) |
|
|
|
|
| Computes taxable portion of SS |
Current year |
52 years |
|
|
| SS reduced for earned income |
Survivor report |
|
|
|
| User controls SS inflation rate |
|
|
|
|
| Eliminate SS benefits/costs for non-SS covered
person. |
|
|
|
|
| Manual override to benefit allowed |
|
|
|
|
| Long Term Care |
|
|
|
|
| Graphs included
(number) |
11 |
5 |
15 |
11 |
| Features |
Easy Money |
Golden
Years |
Retirement
Solutions |
Silver
Financial Planner |
| Windows versions supported |
Windows
XP Home/XP Pro/2000 Pro/NT 4.0 SP6/Me/98 |
Windows XP Home/XP Pro/2000
Pro/NT 4.0 SP6/Me/98 |
Windows XP Home/XP Pro/2000
Pro/NT 4.0 SP6/Me/98 |
Windows XP Home/XP Pro/2000
Pro/NT 4.0 SP6/Me/98 |
| Hard Drive space required |
60 MB* |
50 MB* |
30 MB* |
30 MB |
| RAM (minimum required) |
64 MB |
64 MB |
64 MB |
64 MB |
| Processor speed (minimum required) |
PII
200 |
PII
200 |
PII
200 |
PII
200 |
| Price (initial license) - single user** |
$750 |
$750 |
$400 |
$450 |
| Annual update***
(First 12 months free.) |
$250 |
$250 |
$100 |
$100 |
| * Requires 200 MB free, on primary hard
drive, during installation. These applications are part
of the Money Tree Suite which also includes Money Tools.
** Money Tree Suite financial planning combination price
is $2,000. Other combination discounts are available.
*** Combination annual update fee is reduced for license
of more than one program. Maximum annual update fee (single
user) is $500. |
