Learning Center

Getting Started 6

• Getting Started
• Setting Up Your Family
• Finding Help
• Importing Social Security History
• Running Your Plan

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Basic Concepts 8

• Maximizing Your Plan
• Two Approaches and Two Purposes to Planning (why be so cautious?)
• Discretionary Spending
• Smoothing Living Standard/Consumption
• Cash Constraint

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Understanding Reports 7

• Lifetime Balance Sheet
• Annual Saving and Withdrawal Report
• Understanding Your Report
• Alternative Profiles and Comparison Reports
• Updating Your Data and Rerunning Your Base Plan

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Video Tutorials 12

• MaxiFi Walkthrough
• Roth Conversions
• Alternative Profiles
• Reading Reports
• Progress Tracker

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Basics 12

• How long will this take?
• What will the report look like if I leave names blank?
• I add up the yearly numbers but they don't match the lifetime totals. Why?
• Why do you ask about child disability?
• How do I change marital status?

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Earnings and Pensions 12

• How do I know if a pension is covered or non-covered?
• Should my military pension be entered as a non-covered pension?
• Why does my pension amount decrease every year when it should be inflation adjusted?
• What if I don't have access to my deceased or divorced spouse's past covered earnings?
• What If I'm past my full retirement age (FRA) but the software is asking for my estimated retirement benefit at my FRA?

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Social Security 21

• What are the different types of Social Security benefits?
• How does the Bipartisan Budget Act of 2015 affect me?
• What are Childhood Disability Benefits (CDB), Social Security Disability Benefits (DIB) and Supplemental Security Income (SSI) benefits?
• For benefit amounts or estimates, do you want the gross benefit amount before deductions?
• What do you mean by past covered earnings?

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Maximized Social Security Report 13

• How do I ensure I'll actually file as intended?
• Do you account for lost earnings on investments I sell to allow me to delay filing for benefits?
• How do I apply for Social Security benefits?
• Can the software's estimates match AnyPIA's estimates if I'm under age 62?
• Why does the software show one spouse claiming before their FRA and suspending soon after?

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Pro Features 1

• How do I customize the report cover page?

Glossary 14

• Child's Benefits
• Covered Earnings
• Disability Benefits
• Earnings Deduction
• Earnings Test

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Field-Specific Help 4

• Growth Rate
• Non-Covered Pensions
• Pension Percent Inflation Indexing
• What-If (Planned) Benefit Filing Dates

Basics 20

• How are inflation rate and nominal rate of return determined and used in MaxiFi?
• Why does the maximum age of life default to 100?
• How to import past covered earnings
• First-Year Accounting for Assets
• Cares Act

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Insurance 8

• How can I purchase a life insurance plan that decreases every year to match these numbers?
• How did you come up with the life insurance coverage amount?
• What if I don't see any life insurance recommendations?
• How are Medicare Part B premiums calculated?
• How do I enter Long Term Care (LTC) policy premium?

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Special Data Entry 13

• Special Expenses and Receipts
• Special Data Fields
• Medicare B
• Rates of Return
• Capital Gains and Qualified Dividends

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Housing and Real Estate 10

• Why does my mortgage payment decrease every year?
• One year in my plan has a large negative number in the Housing column, why is that?
• Is my mortgage eligible for the higher pre-TCJA interest deduction limit?
• How do I see the impact of paying off a mortgage early?
• How do I model moving into a home I now rent?

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Spending 9

• Why does my annual discretionary spending amount go up? I thought it was supposed to be the same every year.
• One year in my plan has a large negative number in the Total Spending column. Why?
• How do I leave an inheritance for kids?
• What is Per-Adult Living Standard and how is it calculated?
• How are the adult equivalents for various combinations of adults and children calculated?

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Assets 8

• How do you handle tax advantages of 529 plans?
• Mid-year and end of year changes to your plan
• How are regular assets and retirement assets accounted for in the reports?
• How can I treat unrealized long term capital gains in regular assets?
• How do reserve funds work?

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Retirement Accounts 10

• How do I change when retirement withdrawals start?
• Why are there retirement withdrawals before the date I set?
• Do you account for Required Minimum Distributions (RMDs)?
• Why is there a large negative net addition to my retirement accounts in one year and then no more assets?
• How does the program help me use a Roth account?

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Glossary 16

• Annuity Income
• Bequest
• Discretionary Spending
• FICA Taxes
• Fixed Spending

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Field-Specific Help 17

• Annual Increase
• Annual Living Standard Index
• Annuities
• Annuity Growth Rate
• Change in Survivors' Living Standard

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Screen Guides 13

• Current/Future Earnings Screen
• Pension Screen
• Annuities Screen
• Social Security Record Screen
• Special Receipts Screen

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Living Standard Monte Carlo 15

• How are inflation rate and safe rates of return used in Monte Carlo Risk Analysis?
• How does Monte Carlo Risk Analysis work?
• What is expected lifetime utility?
• Exploring Sequence of Return Risk
• Setting up Monte Carlo

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Contingency Planning 7

• Contingency Planning
• How do contingency settings affect my plan?
• How do contingency settings work for retirement age?
• How do contingency settings work for retirement account contributions?
• How do contingency settings work for future earnings?

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Purchase and Renewal 4

• Do you automatically renew my subscription?
• How do I renew my subscription?
• Can you tell me a little more about the Expert Review?
• Upgrade to Premium

License Questions 2

• Can others in my financial planning office use this software?
• Can I use the household version to help my friends?

Security and Privacy 1

• Is my data secure?

Compatibility 2

• Will your software work on my iPad, tablet, phone, etc.?
• What operating systems (Mac, Windows, etc.) does your software work on?

Troubleshooting 1

• Troubleshooting Login Problems

Features and Benefits 9

• How Does MaxiFi Differ From My Current Financial Planning Tool?
• Is MaxiFi up to date with the latest tax law changes?
• Can MaxiFi help me if I’m nowhere near retirement?
• What is the difference between MaxiFi and ESPlanner?
• Can MaxiFi help me if I’m already retired?

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Organizations and Family Sharing 7

• Organizations and Family Sharing Overview
• Set Up an Organization
• Invite Members to Join an Organization
• Remove a Member from your Organization
• Change access level for members of an Organization

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