Examine your nest egg based on your circumstances - without depending on any general rules-of-thumb
The downloadable feature and user-friendly interface enable you to easily analyze your most sensitive financial information in the context of your unique situation, while remaining in the comfort and security of your own home. In addition, WealthProbe gives you peace of mind by allowing for easy what-if analysis, so you can examine several variations of hard-to-know assumptions about the future.
Accurate Results You Can Trust
- Continuing, extensive verification testing 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-by-month until you no longer need your money (target date).
- Life Expectancy calculations are based on tables employed by Social Security trustees, updated annually.
- IRA Required Minimum Distributions calculated using applicable IRS tables that are updated annually.
- All external data used are updated annually.
- Updates released whenever new information or increased capability is available for release.
Security While Purchasing and Using
- Website is protected using a multilayered defense. Our advanced Firewall is the first line of defense monitoring traffic and blocking malicious activity.
- Communication with our website and product download are secured by the Secure Sockets Layer (SSL) Protocol (seen as Https:// and the padlock symbol). This security is checked daily and independently by both TrustGuard and GoDaddy.
- Your credit and debit card information is further protected by the industry standard 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 use of your copy of WealthProbe on an unauthorized device.
- Your financial data is encrypted using banking-level encryption and is stored on the media you choose.
- The files you produce that contain your personal financial data can only be read on the device that generated the data file.
- 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.
- Position your mouse over highlighted unfamiliar words for relevant, quick information during data entry.
- In addition to the highlighted words, other optional information is immediately available on the screen where it applies.
- A separate comprehensive Help section, FAQs, and a Glossary are easily accessible within WealthProbe – no internet connection is required for access.
- You can obtain updates directly from within WealthProbe.
- The ability to Contact Us is available from within WealthProbe, if needed.
- You can enter an unlimited number of scenarios.
- Inputs are 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. You can re-enter any saved data file as many times as you wish.
- When starting WealthProbe, the 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 data previously entered in that file is loaded for immediate editing and use.
- WealthProbe may suggest some input values based on history, but you control all input data values used.
- The ability to operate without the 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 for non-standard situations.
Flexible – You Input Your Personized Configuration
- A Wall Street Journal analysis in the September 11, 2022 edition (by Shlomo Benartzi) found assumptions used by most retirement income calculators fit less than 5% of people! As an alternative, WealthProbe analyzes your unique situation using your assumptions.
- Your inputs are your own – no “rules-of-thumb” used.
- Your analysis includes your spouse, if applicable.
- Assets can be taxable, tax deferred, or tax exempt using twelve different asset types. If needed, you can create your own unique asset type.
- You can enter an unlimited number of assets for each asset type.
- You can enter up to two mortgages per property or a reverse mortgage for your residence. You can also enter other types of loans you owe.
- Current laws are applied on both taxable and tax exempt IRAs, for either inherited or original-owner IRAs.
- You can account for market downturn to increase your margin of safety on volatile assets.
- Your life can be broken into up to five phases (2 before and 3 after retirement), your phase(s) depend on your current situation.
- Enter your expenses based on total yearly expenses, or individual expense categories as desired.
- If you are using expense categories and have unusual types of expenses, you can create up to 10 expense categories of your own.
- Any number of income streams including taxable and tax exempt income, start and stop as you instruct.
- Enter any number of bequeathment amounts, frequency, start/stop as you specify.
- Your investment plan entry is made easy by the interface.
Powerful, Useful Results Enable Confident Financial Planning Decisions
- WealthProbe calculates the month and year you run out of money if you aren't able to attain your target year.
- WealthProbe shows the money remaining as of December of your Target Year. It also reports how long after that your nest egg will support you.
- As long as your estate lasts, calculations continue until you are 120 years old to indicate you will never have to worry about running out of money.
- Your estate’s total wealth as a function of time is shown graphically. The value on any particular month is available by using the mouse arrow.
- Your cash flow is monitored. If cash runs out, WealthProbe pauses to ask which non-liquid asset to liquidate to pay the bills and calculation continues.
- The month/year you liquidated your assets is shown to help you with planning.
- A cash flow chart shows month-by-month cash, expenses, and asset liquidations. Your expenses and the amount of cash remaining on any particular month is available by using the mouse arrow.
- A summary of all your assets as of the WealthProbe run date is shown for your later reference, or for use by your executor.
- A summary of all your assumptions and inputs are shown.
A Low Cost, Effective Choice – Compare to the Alternatives
- Some companies offer “free” tools only after you surrender your account numbers and passwords for them to manage. Your cost to use these tools is your privacy and their management fee.
- 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.
- At $89.60 for a one-year license (includes free updates), WealthProbe offers more and costs less than equivalent retirement tools. See for yourself.
- After purchase, WealthProbe is available for your use at any time for one year, in the security and convenience of your own home, yet costs much less than 1 hour of financial consultant time.
Peace of Mind
- You are focused on building or preserving your nest egg, but you also want to enjoy life. See the effect of that big trip, big purchase, or helping a relative.
- Your assets are always summarized as an output. With it available, your executor won't miss any of your assets.
- The results you see are based on your unique situation and your assumptions.
- Your satisfaction is guaranteed. If you are dissatisfied with WealthProbe for any reason, you get a full refund at any time within 30 days of purchase.
Want to see more? Go to Why WealthProbe for some examples and FAQs.
Otherwise, Get WealthProbe now and learn where you stand today.
