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Personal Investments • "End of Plan" Misnomer in Retirement Calculators

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I notice retirement calculators and financial planners often use the term "end of plan" when referring to the planned date of the death of the last remaining spouse or individual being modeled.

Isn't this a misnomer?

My first impression is they probably use this as a euphemism for death. The downside of this terminology is that the plan doesn't really end there. There are estate issues and the like to still consider. For example, we hope to leave a lot to our kids, so our plan definitely considers tax efficiency for them. Even though very far away (hopefully), we should consider that our kids may be in their peak earnings years and under current law there is no more "stretch IRA". So really, our "end of plan" is 10 years after the second spouse passes away, no?

Statistics: Posted by Boglenaut — Sat Nov 09, 2024 10:11 pm — Replies 1 — Views 203



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