Hi Michelle,
I use NR now…I have to say, I love it. It has been extremely useful.

Hi Amber,

Actually, waiting to draw social security may be useful in some scenarios. I use new retirement.com. One thing that was clear to me once I had a useful, long-term tax plan was that I had to do something about my tax-deferred savings or I was going to have an enormous problem with taxes due to required minimum distributions. So, I have been holding off on starting social security and Roth converting everything I can while I can. Right now I am also exploiting the lower tax rates under the Tax Cuts and Jobs Act which is expiring in 2026. Combined with a down market, I have been able to Roth convert at a discount. Had I started social security I would have greatly hampered my efforts to address my long-term tax situation. Of course, while I delay social security the benefit increases every year, too. The benefits from this approach are lengthy, too, but you can google them if you are interested – very well explained all over the internet. Good luck

Hey Bernie,
Sounds like you’re doing well, congratulations.

Between Apple and Tesla you have about a 22% investment concentration of your net worth. I might consider reducing these positions so that a big chunk of your retirement doesn’t go as these two stocks go.

Jakie, modeling Roth IRA conversions is one of the most popular features in PlannerPlus.

Andy, thanks for the compliments and for recommending PlannerPlus to friends. I am glad that the tool has been helpful.

Thanks for trying NewRetirement.