Accurate Results You Can Trust
- Continuing, extensive verification ensures accurate calculations reflect your inputs and assumptions.
- Calculations based on current tax and retirement laws, rulings, and regulations all updated yearly.
- For increased accuracy, calculations are done month-to-month until you no longer need your money (target date).
- Life Expectancy calculations are based on tables employed by Social Security trustees, updated annually.
- All external data used (example: appliance costs and lifetimes) is updated annually.
- IRA Required Minimum Distributions calculated using applicable IRS tables that are updated annually.
- Updates whenever new information available for release.
Secure While Purchasing and Using for Your Piece-of-mind
- Website is protected by using a multilayered defense. Our advanced Web Application Firewall acts as the first line of defense by monitoring traffic and blocking malicious activities.
- Communication with our website and product download are secured by the Secure Sockets Layer (SSL) Protocol (seen as Https:// and the padlock symbol).
- Your credit and debit card information is further protected by the Payment Card Industry Data Security Standard (PCI DSS).
- Your emailed purchase receipt enables you to securely download and activate WealthProbe on your device of choice, at your convenience.
- WealthProbe is activated on your device using your unique purchase information preventing unauthorized use of your copy of WealthProbe by strangers on another device.
- Your financial data is encrypted using banking-level encryption and is stored on the media you choose.
- The files containing your personal data can only be read on the device that generated the data.
- After initial activation, you can fully use WealthProbe at any time. Online access only needed for activation and updates.
Helpful, Easy User Experience
- Minimal computer experience needed. If you own a device to operate WealthProbe, you are already able to use it.
- Mouse hovers available for relevant, quick information on most screens during data entry.
- Additional information immediately available during data entry.
- Separate comprehensive Help section easily accessible within WealthProbe – no internet connection required for access.
- Contact form immediately available during use, if needed.
- Unlimited number of scenarios allowed.
- Inputs changeable during and after scenario data file creation, allowing easy data updates and ‘what-if’ analysis.
- Your data is saved automatically after each section completion. Allows you to re-enter any saved data file as many times as you wish.
- Last previously worked, partial data file is automatically loaded to speed data entry.
- Any completed or incomplete data file can easily be “opened” and continued at any time.
- When a previously completed or partial data file is opened, all previous data is loaded for immediate editing or use.
- WealthProbe may suggest some input values based on history, but you control these and all input values used.
- The ability to operate without internet allows use (including access to Help section) while traveling or commuting.
- Saves time and minimizes data entry by asking for data based on your previous responses.
Flexible – You Input Your Personized Configuration
- Wall Street Journal analysis in September 12, 2022 edition found assumptions used by most retirement-income calculators are not assumptions that represent the typical retiree! For retirement planning, one size does not fit all.
- Your inputs are your own – no “rules-of-thumb” used.
- Analysis based on single user or user + spouse.
- Assets can be taxable, tax deferred, or tax exempt. Offers 12 different asset types. If you have an unusual asset, you can create your own asset type.
- Can enter unlimited number of assets for each asset type.
- Able to enter up to two mortgages per property, reverse mortgage for your residence, and other types of loans you owe.
- Applies current IRA laws on both taxable and tax exempt, either inherited or original-owner IRAs.
- You can account for market downturn for a margin of safety.
- Your life broken into up to five phases (2 before and 3 after retirement), your phase(s) depend on your current situation.
- Enter expenses with or without using a budget.
- Any number of income streams including taxable and tax exempt income, start and stop as you instruct.
- Bequeathment amounts, frequency, start/stop as you specify.
- Investment plan entry made easy by the interface.
Powerful, Useful Results Enable Confident Decisions
- Don’t let the lack of knowledge tie you down. Plug that next vacation or purchase into your plan and actually see its affect.
- WealthProbe calculates the month and year you run out of money if unable to attain your target year, or the money remaining on December of your target year plus the month/year to which you can support yourself after that.
- As long as your estate lasts, calculations continue to your 120th year using last phase expenses and your estate’s calculated value.
- Your estate’s total wealth as a function of time is shown graphically – estate value available monthly.
- Your cash flow is monitored. If cash runs out to pay expenses, WealthProbe escalates your non-liquid assets based on the return you expected for each asset. You can chose the asset to liquidate and calculation continues.
- The month/year you liquidated your assets is shown in Results to help you with planning.
- Cash flow chart shows month-by-month cash, expenses, and asset liquidations.
- A summary of all your assets as of the WealthProbe run date is shown for later reference.
- A summary of all your assumptions and inputs are shown.
A Low Cost, Effective Choice – Compare to the Alternatives
- Some Companys offer “free” tools only after surrendering your accounts and investment information to them. Your cost for these tools is their asset management fee. Compare their cost to ours.
- Financial advisors focus on investments since that is how they make money. We provide an easy alternative that analyzes your goal-based planning by using your inputs and assumptions applied to all phases of your retirement planning.
- The WealthProbe costs less than similar subscription-based tools.
- After purchase WealthProbe is available to use at any time for one year, yet costs less than 1 hour of financial consultant time.
- Your satisfaction is guaranteed. If you are dissatisfied with WealthProbe for any reason, we will give you a full refund at any time within 30 days of purchase.
Want to see more? Go to Why WealthProbe for some visual examples. Otherwise, what are you waiting for? Use WealthProbe to learn where you stand today.