RELEASED - January 2012

EARLYRETIRE PRO™ 2012

New in this release:

1. A new Automatic Tax Leveling feature can be activated in the Algorithm Settings. Tax Leveling changes the way your assets are distributed in retirement in order to maintain consistent income tax liability from year to year. Leveling taxes not only eases cash flow planning and estimated tax payments, but it can lower your overall tax liability by keeping you in a single bracket over your lifetime. There are two options for automatic leveling: smooth (even payments), and defer (postponing higher tax liability to later in life). Both methods attempt to keep you in a single bracket throughout your lifetime but you may find one benefits your bottom line or simply suits you more than the other. The manual method of selecting a minimum tax bracket is also still available.
   
   
2. Certain types of Financial Events can now be made tax-deductible, meaning they will reduce tax liability in the year(s) they occur. Such events could include traditional IRA or Keogh contributions, HSA contributions, or large gifts to charity.