Why are my expenses and cash inflows smaller than what I entered for the current year?

WealthTrace uses calendar years. So in the current year, cash flows are pro-rated based on how much time is left in the year. For example, if today's date is 4/1/2024, and you have an expense that is entered as $10,000 per year for the next five years, the expense in the current year will only be (3/4) * $10,000 = $7,500 because the year is already 1/4 over. Starting in the second year, this [...]

How do I tell the program that college expenses will only be funded by a single investment account, such as a 529 plan?

Enter the college expenses in the Goals & Additional Expenses section. From there, you can select which investment account will fund it as seen below. src="https://cdn.livehelpnow.net/clients/21145/kb/fund1_bc731d54-bf5d-41b5-a328-a5c869d164ee.png" id="4464a802-82ef-470d-9ae4-cdaaa2087f4d" alt="fund1" width="90%" height="auto" data-image="4464a802-82ef-470d-9ae4-cdaaa2087f4d [...]

Where do I add a part-time job in retirement?

Add part-time work post-retirement in the Cash Inflows section. src="https://cdn.livehelpnow.net/clients/21145/kb/pt1_f08236de-dfb3-4319-8be7-d1b2515322b3.png" id="53159be2-80fd-4fc6-9799-ff6d92382975" alt="pt1" width="90%" height="auto" data-image="53159be2-80fd-4fc6-9799-ff6d92382975 [...]

Can I download or export projected information to Excel or a pdf file?

All data in the Cash Flow Projections section can be exported to Excel, csv, or a pdf file. If you want to make calculations using the data you should export to a csv file since it will be formatted as numbers instead of text. src="https://cdn.livehelpnow.net/clients/21145/kb/export2_ef4d1134-03da-48fc-a17a-bdc4c0bf1a61.png" id="f0f51fe0-7348-40bb-baa2-e3d4ced4b713" alt="export2" width="90%" [...]

Do the annual return assumptions include inflation, or are these real returns?

The annual return figures used in the program are nominal returns, not real (inflation-adjusted) returns. So inflation has not been taken out of them. Put another way, if you have an annual return of 8% for value stocks, and your inflation assumption is 3%, the real annual return for value stocks would be [...]