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Version 9
Features |
Personal
*FREE |
Personal
PLUS |
Professional |
|
Benefits
Calculator |
Included?
|
Included? |
Included? |
Retirement
Eligibility
Determine Retirement Date
Eligibility
CSRS and CSRS Offset
FERS
and CSRS to FERS Transfer
Regular
(Voluntary)
Optional (Early Out - VERA - Postal Employees and
others )
Mandatory (Special
Provision)
Determine your
earliest possible retirement date in just one click (based
on Birth Date and Service Computation
Date entered)
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YES |
YES |
YES |
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Types of Retirement
Annuities
Complete retirement annuity
calculations for:
Federal Employees
Postal Employees
Law Enforcement Officers
Firefighters
Air Traffic Controllers
CSRS
FERS
CSRS Offset
CSRS to
FERS Transfer
MRA +10 |
YES |
YES |
YES |
|
Creditable
Service
Calculate creditable service
time
Calculate/project sick leave service time
(CSRS)
Analyze military service time (including Catch
62) |
YES |
YES |
YES |
|
Average High
3 Salary
Calculate and project High 3
Average for any future date |
YES |
YES |
YES |
|
Deposit/Redeposit
Service
Calculate deposit benefits, costs and
penalties
Calculate Redeposit benefits, costs and penalties
|
YES
|
YES |
YES |
|
Survivor
Benefits
Calculate monthly annuity
Calculate
yearly annuity
Adjust survivor benefit: view impact
on annuity
Calculate accumulated costs of survivor benefits
|
YES
|
YES |
YES |
|
Delayed
Retirement
Project delayed retirement annuities -
yearly & monthly |
YES |
YES |
YES |
|
COLA
Project COLA increases each
year of retirement |
YES |
YES |
YES |
|
FERS
Supplement
Calculate and project FERS
supplement |
YES |
YES |
YES |
|
CSRS Offset
Annuity
Calculate and project CSRS Offset
annuity
Social
Security
Project social security with COLA |
YES |
YES |
YES |
|
Thrift Savings
Plan
- Project accumulated
contributions from salary, government
matching
(FERS only) and Catch-Up
- Determine best investment
options for L, C, F, G, I , S funds
- Examine effects
of changing fund allocations
- Examine long term growth
impacts from compound annual
rates of return
for each fund
- Explore 18 withdrawal options
including:
- lump sum
- monthly
payments (number of payments, monthly
amount,
IRS life
expectancy)
- annuities (single life, joint
life with spouse, joint life with
non-spouse) |
YES |
YES |
YES |
|
Life
Insurance
- Project FEGLI benefits and
accumulated costs for Basic,
Option A, Option B,
and Option C
- Display FEGLI color charts |
YES |
YES |
YES |
|
Health Insurance
Project FEHBP costs and accumulated
costs |
YES |
YES |
YES |
|
Long Term Care
Insurance
Project benefits and costs of:
- Federal
Long Term Care Insurance Program (FLTCIP)
-
Private sector long
term care insurance |
YES |
YES |
YES |
|
Retirement
Planner |
Included? |
Included? |
Included? |
|
NEW! Federal Income Analysis &
Reports
Easily compare your current net income
and net income the first month in retirement. A new
inflation advisor will show you what your net income at
retirement is worth and how much your net income at retirement
must be to maintain today's standard-of-living.
|
YES |
YES |
YES |
|
Income
Analyzer (1)
Explore Salary
growth
Explore annuity income and growth
Compare Salary with Annuity - Change in Income
View reductions and
deductions
Examine income
tax impacts |
YES |
YES |
YES |
|
Government Income
Analyzer (2)
Spreadsheet and graph -
today through retirement:
Salary
Government Annuity
FERS Supplement
Social
Security
Thrift Savings Plan
(TSP) |
YES |
YES |
YES |
|
Other Sources of
Income Analyzer (3)
Spreadsheet and graph -
today through retirement:
Part-time
job
Savings
Investments
Rental
Property
Any other sources that you list
|
YES
|
YES |
YES |
|
Government
Expenses Analyzer (4)
Spreadsheet and graph
- today through retirement:
Annuity Penalties (e.g.,
Early Retirement)
Survivor Benefit
Life
Insurance (FEGLI)
Health Insurance
(FEHB)
Long Term Care Insurance
(FLTCIP)
Federal and State Income Taxes |
YES |
YES |
YES |
|
Other Expenses
Analyzer (5)
(spreadsheet and graph - today
through
retirement):
Housing
Utilities
Food
Clothing
Car
Gas
Travel
Entertainment
Any
other sources that you list |
YES |
YES |
YES |
|
Income and
Expense Other Sources Analyzer
Spreadsheet and graph - today
through retirement: Combines date from
(3) and (5) |
YES |
YES |
YES |
|
Reports,
Color Charts, Graphs |
Included? |
Included? |
Included? |
|
|
YES |
YES |
YES |
|
Print 50+ page Retirement Analysis
Report
click here to view sample
report |
NO |
YES |
YES |
|
Create Adobe Acrobat
Reader Reports (.pdf format)
50+ pages:
Study report using the
Free Adobe Acrobat
Reader,
Save original Adobe Acrobat
report file,
Make entry
changes in Benefits Calculator / Retirement
Planner,
Create new Adobe Acrobat report,
Save new Adobe Acrobat report file,
Compare original Adobe
report with new report,
Print selected pages from each report, and
Do this as many times
as you like |
NO |
YES |
YES |
|
Send Adobe
reports as email attachments |
NO |
YES |
YES |
|
Create custom
report cover and disclaimer pages |
NO |
NO |
YES |
|
Company
name and agent information report cover
page |
NO |
NO |
YES |
|
Company
name footer on all report pages |
NO |
NO |
YES |
|
Data:
Input, Storage and Retrieval |
Included? |
Included? |
Included? |
NEW!
Improved Fact Finder
Questionnaire Use it to gather personnel
information. Click here
to download it (FREE download).
|
YES |
YES |
YES |
|
On-screen
alerts guide data entry |
YES |
YES |
YES |
|
Process
data for one federal
employee |
YES |
YES |
NO
** |
|
Process, store &
retrieve data for unlimited number federal
employees |
NO |
NO |
** YES |
|
Import personal
data files from previous versions of
software |
YES |
YES |
NO *** |
|
Import old client
files from previous version of
software |
NO |
NO |
*** YES |
|
Client file backup on a CD
|
NO
|
NO |
YES |
|
Client file restore from a
CD |
NO |
NO |
YES |
|
Move client files on CD from
one computer to another |
NO |
NO |
YES |
