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Knowledge base
MaxiFi User Manual
Getting Started
6
Getting Started
Setting Up Your Family
Finding Help
Importing Social Security History
Running Your Plan
View all 6
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
View all 8
Understanding Reports
8
Lifetime Balance Sheet
Annual Saving and Withdrawal Report
Understanding Your Report
Alternative Profiles and Comparison Reports
Updating Your Data and Rerunning Your Base Plan
View all 8
Video Tutorials
12
MaxiFi Walkthrough
Roth Conversions
Alternative Profiles
Reading Reports
Progress Tracker
View all 12
General Topics
Basics
11
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?
View all 11
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?
View all 12
Social Security
22
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?
View all 22
Maximized Social Security Report
12
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?
View all 12
Pro Features
1
How do I customize the report cover page?
Glossary
14
Child's Benefits
Covered Earnings
Disability Benefits
Earnings Deduction
Earnings Test
View all 14
Field-Specific Help
4
Growth Rate
Non-Covered Pensions
Pension Percent Inflation Indexing
What-If (Planned) Benefit Filing Dates
MaxiFi Topics
Basics
21
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
View all 21
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?
View all 8
Special Data Entry
13
Special Expenses and Receipts
Special Data Fields
Medicare B
Rates of Return
Capital Gains and Qualified Dividends
View all 13
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?
View all 10
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?
View all 9
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?
View all 8
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?
View all 10
Glossary
16
Annuity Income
Bequest
Discretionary Spending
FICA Taxes
Fixed Spending
View all 16
Field-Specific Help
17
Annual Increase
Annual Living Standard Index
Annuities
Annuity Growth Rate
Change in Survivors' Living Standard
View all 17
Screen Guides
15
Current/Future Earnings Screen
Pension Screen
Annuities Screen
Social Security Record Screen
Special Receipts Screen
View all 15
MaxiFi Premium/PRO Topics
Living Standard Monte Carlo
15
How are inflation rate and safe rates of return used in Monte Carlo Risk Analysis?
What is expected lifetime utility?
Exploring Sequence of Return Risk
Setting up Monte Carlo
Manage Assets and Investment Strategies
View all 15
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?
View all 7
Sample Families
2
Sample - Single Family
Sample - Married Family
General Sales and Support
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
MaxiFi Sales and Support
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?
View all 9
PRO Topics
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
View all 7