RELEASED - December 2010

EARLYRETIRE PRO™ 2011

New in this release:

1. A Social Security Calculator has been added to help you make the decision when to begin taking Social Security. If you enter a known benefit at a known age, the calculator provides a table of all your eligible start ages, the annual Social Security income you would receive for each start age, and the associated lifetime benefit you would receive. A critical tool for this important decision.
   
   
2. The distribution algorithm has been improved for more efficient income tax leveling. Better analysis of tax liability due to Social Security, low distributions from a 72(t) plan, and Roth conversions could increase your post-retirement income.
   
   
3. You can now control the income reduction rate for Reality Retirement Planning. Normally 3% (according to statistical survey), the annual rate of income reduction between ages 55 and 75 can now be adjusted in the Algorithm Settings to allow you to tailor this feature for your own expectations.
4. You can exclude the HSI and EarlyRetire logos from appearing on the printed Report. Also on the Report, the Other Income column has been broken out to show Financial Event cash flows separately.
   
   
5. There are now three borrowing levels in the Algorithm Settings rather than simply on or off. You can adjust the degree to which borrowing is allowed or prevented by the distribution algorithm.