When WealthTrace applies annual returns does it look at the fees of each fund I own and subtract it?

WealthTrace applies annual returns based on the https://support.mywealthtrace.com/21145/kb/article/105914/where-to-view-and-edit-default-annual-returns" target="_blank asset class mix of each investment holding. Although the program can show you the fees you pay on the funds and ETFs you own in the Investment History section, it does not deduct those fees from the annual return. However, you can [...]

How do I run several scenarios at one time where the scenarios have changes to multiple variables in each scenario?

You can run several scenarios where each scenario can have more than one variable changing under Scenarios > User-Defined What-Ifs. For example, you can specify in a scenario that you will retire 2 years earlier than the base case and cut retirement spending by 10%. src="https://cdn.livehelpnow.net/clients/21145/kb/udw1_9fb0857b-3361-4f95-a003-26c06b277874.png" [...]

The median value on the Monte Carlo screen is less than the Investment Value at End of Plan number I see on the main screen. Why is that?

https://support.mywealthtrace.com/21145/kb/article/105917/how-monte-carlo-works" target="_blank Monte Carlo runs 1,000 scenarios on your investments where annual returns vary in every year. Every scenario has its own End of Plan value for investments. The median is the one in the middle of those values. The Investment Value at End of Plan on the main screen is the total value of all investments [...]

I won't pay state income taxes on my pension payments. How do I set this in the program?

The program will apply state tax rules based on the state in which you live. src="https://cdn.livehelpnow.net/clients/21145/kb/taxs1_6bdee6e7-ed55-4484-900a-8b189e87f38b.png" id="523cecda-f47f-4d0f-8c90-99c81c48b016" alt="taxs1" width="90%" height="auto" [...]

Does the program calculate my state income tax rate for me?

By default the program will calculate your state income tax rate based on your state's up-to-date tax laws. You can also enter your own state income tax rates. There is an option to tell the program that you will move in the future to a new state as well. src="https://cdn.livehelpnow.net/clients/21145/kb/statet1_8174c8e3-44c1-477c-97d9-0caf1022ccb5.png" id="17697d2e-b96a-47c7-9222-7fcd60f39f6d" [...]