Search found 23 matches

by Boggedown
Sun Oct 06, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Right- this time I really have got it.
by Boggedown
Sun Oct 06, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Supposing you'd want to know... • Sec. 6 "IRA 1 Withdrawal 1" (and Withdrawal 2) - A positive value entered works as expected, being treated as a withdrawal from the start age to end age spec'd. But a negative value will run from the start age to model end year ie end age is ignored. I did...
by Boggedown
Fri Oct 04, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Got it.

Actual bug report: Base row 212 cols H to AS are missing the row 211 factor.
by Boggedown
Thu Oct 03, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

With big conversion scenarios IRMAA can hit $5K/yr, and even $10K in distant projections. This is always small in percent but I suggest worth including by default. Again something that's noticeable in big conversions: The Setup row 254 tables for Federal and State taxes show only the lower six brack...
by Boggedown
Mon Sep 30, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Thanks for the explanation. The Setup page "Federal Taxes by Bracket" (and adjacent Base portfolio) error is still there. The Totals columns C and M do not include the 37% bracket value. This throws off the totals at the top of these charts as well. It doesn't affect other calculations but...
by Boggedown
Tue Sep 24, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

In v19.1a there seems to be an error in the Setup page Taxable account adjustment. Cell F207 has a formula that should (?) be in F205. Cell F205 has no dependents but apparently should, and the Help on it says the results will be used for all years. [Incidentally the Help for cell F201 has typo &quo...
by Boggedown
Mon Feb 04, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

I've run across a difference between the Details and Base case. In the latter, the formula in cell AS205 has the extra term "-AS169". That doesn't appear to be intentional...

Thanks
by Boggedown
Sat Feb 02, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Info for other users on determining Roth conversion amounts. References are to RPM Rev. 19.0. tl;dr: An Excel technique to automatically establish factors for a Roth conversion. The effect of these refinements over manual entries will be small compared to that of uncertainties in other assumptions a...
by Boggedown
Thu Jan 31, 2019 10:07 am
Forum: Forum Issues and Administration
Topic: Outbox
Replies: 13
Views: 5171

Re: Stuck in Outbox

The FAQ is where I looked first - but it doesn't address this "stuck in outbox" question. The behavior is unusual AFAIK so a FAQ entry on it would be a good idea.
by Boggedown
Tue Jan 29, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

A couple issues with the Setup sheet Sec. 10 operation. Neither affects the results. --------- Setup!C253 note has incomplete sentence: "being converted[]...]"; should be something like "being converted would have a negative balance". --------- Logic for Setup cell A258 conversio...
by Boggedown
Tue Jan 29, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Cosmetic issue: The "Sources of Earnings" chart on Results sheet near cell J21 has a fixed rather than auto vertical scale. As as result it will overflow at higher values. The same chart on the Setup sheet is fine. ----------------- The point raised on 16 Jan by jchris had long been on my ...
by Boggedown
Sun Jan 27, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

. To folks dealing with non-Excel spreadsheet issues: It's fine to take a look at RPM in LibreOffice or whatever. You needn't get it fully working for your case - just see what the workbook wants as input and what it will output. What you see is what you get: RPM will deliver the results indicated. ...
by Boggedown
Wed Jan 23, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Thanks again for your continuing hard work on this spreadsheet. I do have several comments / suggestions on the current release: • On the Setup sheet Sec 1, the cell D35 message logic still uses "your age - spouse age >= 10" whereas it should just be 'greater than' 10. This may not be the ...
by Boggedown
Wed Jan 31, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Also - the red Alert text(s) on the Setup page (referred to in my previous post) should change to reflect that Table II can only be used if the spouse is >10 years younger. Ten years younger isn't enough. I also fixed this in my 'Help' text posted above. Verified in IRS 590-B.

Thanks!
by Boggedown
Wed Jan 31, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Great. On the same topic - In Setup maybe move the Table II alert from Cell F35 to C35 or B35, so that the full text will appear. The "action needed" part has to be noticed for folks to get started correctly with this option.

Thanks
by Boggedown
Wed Jan 31, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Yes! I had misunderstood the steps needed to use Override Table II. I just set 'o' and left it at that... Now I understand. To help others avoid this mistake, I suggest beefing up the notification perhaps as I show here. I've also edited the instructions to be more specific since, until you've done ...
by Boggedown
Tue Jan 30, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Hi Bigfoot48,

I wonder if the RPM "Table II" RMD calculations are correct...

[[Question was resolved.. see following posts. Deleted most of this comment to reduce thread clutter. ]]
by Boggedown
Mon Jan 29, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Yes, if you assume a 6-figure conversion and a 7-figure account, you'll probably find a dozen or so columns overall that should be expanded a little.

Also, I did figure out (duh) that I could simply add a sheet for my temporary stuff.

Thanks again.
by Boggedown
Sun Jan 28, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Hi Bigfoot48, I'm continuing to use RPM and am so thankful to have it. No evidence yet that its Roth conversion capabilities exist even in the pro tools like eMoney, MoneyGuide Pro etc. There is an important error: In Setup Rows 286+, "TAXES BY BRACKET" in dollars Totals are wrong because ...
by Boggedown
Tue Jan 23, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Thanks, Bigfoot48, and thanks for chiming in with these tax cautions, munemaker. I didn't have a clue about them. Because RPM is an open spreadsheet, I can ad-hoc it a little to work in some consideration of what you've pointed out.
by Boggedown
Mon Jan 22, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

Thank you, BigFoot48 and FiveK. I appreciate the pointer towards i-ORP which I hadn't yet found. That's quite a piece of work too. I've begun to use it and, of course, compare its results with RPM. I have looked through the several threads here on I-ORP. In my case, ORP finds that a Roth conversion ...
by Boggedown
Sun Jan 21, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 54
Views: 11294

Re: Met with a CFP, not too impressed.

UPDATE: After reading Mel Lindauer's post I went to Allan S. Roth's website. I'm am now pulling together data needed so they can review our situation and tell us what they may be able to do for us. I thank every one for their input. Best wishes MrMojoRisin Can you tell us about your experience with...
by Boggedown
Sun Jan 21, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1056
Views: 331982

Re: Retiree Portfolio Model

First, thanks for the wonderful modeler which looks to be very, very helpful to me going forward. Especially and primarily for it's Roth conversion feature - this seems to be unavailable elsewhere except possibly in pro tools. Even there (e.g. Money Tree) there isn't much evidence of capabilities li...