MaxiFi Planner is Economic Security Planner's next generation software built on the famed ESPlanner platform. Here's what the press has to say about our software.


When a Mortgage Is Part of Your Retirement Plan

Eliminating debt is a great goal. But is it the best option for you?

Countdown to Retirement: A Five-Year Plan

With MaxiFi, it's easy to run an almost endless series of what-if scenarios to see how they would affect your retirement income and spending.

Social Security Is Dying Because Baby Boomers Aren’t

According to Larry Kotlikoff, four things explain my high returns. Double indexing of benefits in the early 1970s (thank you, Richard Nixon). I delayed claiming benefits until age 70, which I could afford to do but isn’t an option for many people. I will probably live longer than average, due to both genetic factors and maintaining good health (thank you, Shane!).

My Preferred Planning Software is MaxiFi

I rarely promote products at my blog but I know that many of my readers are do-it-yourselfers and many have expressed interest in software tools. I have a lot of confidence in MaxiFi.

The next big question you need to answer after you decide to retire

A recent analysis from MaxiFi, a personal financial planning platform, found that the more assets a retiree couple has, the more their discretionary spending will increase in retirement by downsizing their home.

Holistic Planner for Your Financial Future

MaxiFi Planner takes on the role of a financial planner to help you live your best life. It takes into account your entire financial picture and calculates what your retirement will look like with several scenarios

Wall Street Journal
Tips for Tapping Your Retirement Savings

Tools do exist for doing it right, but a good adviser can be invaluable.

This economist thinks the US is poised for financial disaster

Professor Kotlikoff's Economic Security Plannings Inc.'s tools include MaxiFi, which works to analyze your spending, saving and insurance to make sure they match your lifestyle and level of wealth. It also looks at other ways to increase the money you take in through Social Security, annuities or retirement savings.

Financial Planning Tools

If you demand the deepest and most powerful financial planning engine, look no further.

Going it Alone with Retirement Planning Software

The best and most comprehensive retirement planning software . . . is Laurence Kotlikoff's

Wall Street Journal
The Best Online Tools for Retirement Planning and Living

Planning for retirement? Look no further than your tablet or smartphone.

A growing array of apps and websites make it easier to complete many of the most basic—and most important—tasks, from saving money and creating legal documents to figuring out a second career and where to live.

Financial Planning vs. Chaos

MaxiFi Planner is a simple and elegant solution for financial advisors seeking to advise clients or for unadvised investors looking to optimize their own plan.

The Hidden Risks of Equities When Saving for Retirement

Optimization means getting the most consumption for a given amount of variability, but not eliminating variability.

The Latest In Financial Advisor #FinTech

Though ultimately, the real distinction for financial advisors is not MaxiFi’s cost-effective price point, but its potential to frame the entire financial planning conversation differently—around the long-term impact of a client’s decisions on their long-term sustainable standard of living, instead of “just” their assets.

Best Money Management Programs in 2019

MaxiFi will also make suggestions to help improve your money plan. These changes are intended to lower your tax bill, optimize your income and help correct your current spending habits.

Nobel laureate Richard Thaler thinks you should be able to use your 401(k) to get a bigger Social Security check.

But there is room for a solution, Kotlikoff said. “But it has to be done carefully so Social Security doesn’t lose money,” he said.

IBD life cycle

ESPlanner's [now known as MaxiFI Planner] life-cycle smoothing determines the highest possible living standard you can maintain for the rest of your life.

The 70% Replacement Rate In Retirement Is Rubbish

As Kitces suggest, many if not most practitioners interpret the replacement rate rule of thumb as an income replacement rate. Interpreted in that light, this couple's replacement rate is not the vaunted 70%, nor the often higher 85% figure bandied about. Instead, it's zero or essentially zero in seven of the eight cases considered.

The 4% Retirement-Asset Spend-Down Rule Is Rubbish

Conventional financial planning uses two rules of thumb. One is the 70% replacement-rate, retirement-spending rule. The other is the 4% retirement-asset, spend-down rule.

For a larger Social Security check, tap your IRA first

Delaying your Social Security is one of the best ways to expand your retirement income. Your monthly check from the government will often be three-quarters larger if you claim at 70 instead of at 62, said Laurence Kotlikoff, an economics professor at Boston University and the author of " Get What's Yours: The Secrets to Maxing Out Your Social Security ."

Laurence Kotlikoff, author

Our President, Laurence Kotlikoff, is a Professor of Economics at Boston University. He founded Economic Security Planning, Inc. in 1993 to build economics-based financial planning tools for use by households and financial professionals. Kotlikoff is a prolific writer whose financial planning columns, including his Ask Larry blog, have appeared in a long list of leading publications. His co-authored book, "Get What's Yours -- The Secrets to Maxing Out Your Social Security Benefits, was a NY Times Best Seller."

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Getting Started is Easy

  • It’s all online—No software to download or install
  • Runs on Mac, Windows, Linux—all computers, tablets, and smart phones
  • Minimal, user-friendly data entry
  • Helpful, responsive customer support
  • Safe and secure