A Unique Approach to Financial Planning

• ESPlanner focuses on the fundamental goal of saving and insurance –avoiding major disruptions in your family’s living standard through the years. Using advanced mathematical techniques, we calculate the saving you need to support a stable lifestyle throughout your life, and the life insurance required to preserve your household’s living standard in the face of risk.
• Based on our annual recommendations, you save more when you can and less when you can’t. Your saving, not your life style, adjusts to your economic circumstances. Your life insurance holdings also change with changes in your insurance needs.
• Using ESPlanner, we take into account all of your economic resources, tax liabilities, and Social Security retirement, survivor, and other benefits. We consider your children, tax-deferred saving, housing plans, plans for one-time expenditures such as education or a second home, estate plans, capacity to borrow, life-style preferences, and other key factors.
• Fundamental principles of economic science form the basis for ESPlanner’s unique integrated approach to saving and life insurance. Co-developers Boston University Professor Laurence J. Kotlikoff and Dr. Jagadeesh Gokhale of the Cato Institute are internationally recognized experts in the field of saving, life insurance, social security, pensions, and taxation.