Free Downloads

A Nightmare On Wall Street

We recommend viewing this free presentation before using the Practice Navigator™ retirement income calculator.  It steps through a relatively difficult investment scenario to demonstrate the process of managing money for income during difficult times.  You may be amazed to see the difference in the outcome for the Defined Withdrawals strategy compared to the Systematic Withdrawals strategy.

Practice Navigator™ Retirement Income Calculator

Don't try managing investments for income in the real-world until you've first practiced doing it with this innovative retirement income calculator!  The free Excel spreadsheet simulates stock market variability and lets you make yearly investment decisions to test your skills.  See if you can maintain your desired income for up to 30 years.

Mastering the Journey with the Retirement Income Navigator™

This free book explains how to use the Retirement Income Navigator™ software, but it is much more than a software manual.  It is a comprehensive guide to retirement income planning and management.  The first chapter is dedicated to comparing investment income strategies.  It includes a striking example to show why investment strategies that work well prior to retirement do not necessarily work well during retirement.  Learn about dollar-price erosion, income ladders, the important distinction between investing in bonds vs. bond funds, trend-line analysis, the new role that diversification plays when investing for income, and of course the critically important topic of Navigating.

Income Ladder Calculator

You might also like to try this free online income ladder calculator at IncomeLadders.com.  Simply enter your desired income for up to 15 years along with the yield rates available from fixed-rate investments (bank CDs, US Treasures, etc), and the calculator will determine the schedule of investments needed to provide your desired income.  It will also calculate the total cost to fund your income ladder.