{"id":7060230,"date":"2026-09-18T15:47:41","date_gmt":"2026-09-18T15:47:41","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/end-of-plan-a-vital-financial-planning-decision\/"},"modified":"2026-09-18T15:47:41","modified_gmt":"2026-09-18T15:47:41","slug":"end-of-plan-a-vital-financial-planning-decision","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7060230","title":{"rendered":"&#8220;End of Plan&#8221; &#8211; A Vital Financial Planning Decision"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><em>Don\u2019t miss an episode of our podcast,\u00a0<strong>Personal Finance for Long-Term Investors<\/strong>. Available on all podcast players. <\/em><\/p>\n<p class=\"wp-block-paragraph\">Here\u2019s the latest episode: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/big-career-changes-a-personal-ama-jesse-cramer-e150\/id1553180943?i=1000788594982\"><\/iframe><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">Small change, giant impact. <\/p>\n<p class=\"wp-block-paragraph\">One challenge in financial planning is when a \u201csmall\u201d decision creates much bigger than we assumed.<\/p>\n<p class=\"wp-block-paragraph\">\u201cEnd of Plan\u201d is one such decision. Some planning software might call it \u201cplanning horizon\u201d or \u201clife expectancy\u201d or any number of other euphemisms for <strong>\u201cwhen might you die?\u201d <\/strong><\/p>\n<p class=\"wp-block-paragraph\">Yes, death is scary to consider. <\/p>\n<p class=\"wp-block-paragraph\">And it\u2019s obvious how our lifespan affects our finances. The longer we live, the more money we need to live a successful retirement.<\/p>\n<p class=\"wp-block-paragraph\"><strong>But there\u2019s so much more! <\/strong>If you\u2019ve ever dabbled with financial planning software\u00a0(Boldin, Pralana, eMoney, RightCapital, Empower, etc.),\u00a0you might be unaware of the unintended side effects that \u201cage at death\u201d is creating in your plan.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1880\" height=\"1254\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256.jpeg\" alt=\"close up shot of rubiks cube\" class=\"wp-image-67512\" style=\"aspect-ratio:1.4991996552361018;width:441px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256-1024x683.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256-1536x1025.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-10285256-930x620.jpeg 930w\" sizes=\"(max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Defining the \u201cProblem\u201d\u2026<\/h2>\n<p class=\"wp-block-paragraph\">The (frequent) \u201cproblem\u201d I witness follows this logic:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Running out of money<\/strong> is a scary idea.<\/li>\n<li>I don\u2019t want to <strong>under<\/strong>estimate when we\u2019ll die.<\/li>\n<li>I\u2019ll <strong>over<\/strong>estimate instead\u2026I\u2019ll live until <strong>90<\/strong>. My wife, <strong>95<\/strong>. <\/li>\n<li>Boom. I\u2019ve \u201csolved\u201d the problem of running out of money.<\/li>\n<li><em>[Narrator: But they were completely unaware of the unintended side effects\u2026]<\/em><\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\">I agree that it\u2019s important to \u201cstress test\u201d whether you\u2019ll run out of money. Changing your assumed age of death is a good idea.<\/p>\n<p class=\"wp-block-paragraph\">But what else are people missing? <\/p>\n<p class=\"wp-block-paragraph\">Let\u2019s dive into what people often miss.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"1300\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-1658591.jpeg\" alt=\"brown rock formation under blue sky\" class=\"wp-image-67513\" style=\"aspect-ratio:0.6669177153655498;width:294px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-1658591.jpeg 867w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-1658591-200x300.jpeg 200w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-1658591-683x1024.jpeg 683w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-1658591-768x1152.jpeg 768w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Side Effect 1:  Social Security Claiming<\/h2>\n<p class=\"wp-block-paragraph\">Extending your End of Plan to age ~85+ almost <em>assuredly<\/em> pushes your Social Security claiming strategy out to age 70. If you live a long time, you wouldn\u2019t want to claim Social Security early. <\/p>\n<p class=\"wp-block-paragraph\">This one is straightforward. In fact, it might be less of an \u201cunintended side effect\u201d and more of a \u201cknown headliner.\u201d<\/p>\n<p class=\"wp-block-paragraph\">Plenty of couples <em>should<\/em> be claiming Social Security before 70 \u2014 at least for one of the two spouses. <\/p>\n<p class=\"wp-block-paragraph\">But if you model your End of Plans out at 85, 90, etc., then the planning software might encourage you both to delay until age 70.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1254\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473.jpeg\" alt=\"white printer paper on green vintage typewriter\" class=\"wp-image-67514\" style=\"aspect-ratio:1.4991996552361018;width:467px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473-1024x683.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473-1536x1025.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12188473-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Side Effect 2:  Roth Conversions<\/h2>\n<p class=\"wp-block-paragraph\">Roth conversions are tricky. Decades of unknowns lie ahead, and you need to account for them in today\u2019s Roth conversion math. It\u2019s a gray area.<\/p>\n<p class=\"wp-block-paragraph\">Nevertheless, what\u2019s the effect of assuming someone lives until age 95? <\/p>\n<p class=\"wp-block-paragraph\">The main effect is that said person would have 20+ years of required minimum distributions, the last of which would be more than 10% of their account value. These RMDs would push this person into higher and higher tax brackets, likely making present-day Roth conversions more and more attractive.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1254\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878.jpeg\" alt=\"close up shot of melted ice cream on cone\" class=\"wp-image-67517\" style=\"aspect-ratio:1.4991996552361018;width:278px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878-1024x683.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878-1536x1025.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-9887878-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Said succinctly: <strong>later death = more Roth conversions today.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">But if that same person dies at 75? Roth conversions might be outright <em>bad. <\/em><\/p>\n<p class=\"wp-block-paragraph\">If they die at 80? Perhaps much <em>smaller<\/em> Roth conversions would be appropriate. <\/p>\n<p class=\"wp-block-paragraph\">The choice of modeling death at age 85, 90, or 95 can encourage more Roth conversions than otherwise. <\/p>\n<h2 class=\"wp-block-heading\">Side Effect 3:  Widow\u2019s Tax<\/h2>\n<p class=\"wp-block-paragraph\">The \u201cWidow\u2019s Tax\u201d refers to the fact that filing as\u00a0<strong>Single<\/strong>\u00a0is less preferred than filing\u00a0<strong>Married, Filing Jointly<\/strong> (MFJ),\u00a0so widows and widowers typically face worse tax treatment than married couples. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3-1024x576.png\" alt=\"\" class=\"wp-image-67515\" style=\"aspect-ratio:1.7778061690089433;width:538px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3-1024x576.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3-300x169.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3-768x432.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3-1536x864.png 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/image-3.png 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">This effect rears its head most when a widow\/widower inherits their deceased spouse\u2019s retirement accounts, injecting <em>both<\/em> spouses\u2019 RMDs into a Single tax return.<\/p>\n<p class=\"wp-block-paragraph\">It\u2019s natural for a couple to think: <\/p>\n<p class=\"wp-block-paragraph\"><strong><em>\u201cI\u2019ve got bad health, and I\u2019ll die early. My spouse has good health; they\u2019ll die late. I\u2019ll model my death at 75, their death at 95.\u201d<\/em><\/strong><\/p>\n<p class=\"wp-block-paragraph\">This decision has massive implications on retirement taxes. By assuming a short span of MFJ years and a long span of Single years, the optimal path would involve injecting extra income (e.g. Roth conversions) into the MFJ years=. <\/p>\n<h2 class=\"wp-block-heading\">Side Effect 4:  Withdrawal Sequencing<\/h2>\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/bestinterest.blog\/retirement-withdrawal-order-of-operations\/\">rule of thumb for withdrawal sequencing<\/a> is taxable first, then tax-deferred, then Roth. But there are plenty of <a href=\"https:\/\/bestinterest.blog\/retirement-withdrawal-order-of-operations\/\">exceptions<\/a>. <\/p>\n<p class=\"wp-block-paragraph\">When planning software makes exceptions to this order, it\u2019s typically to smooth income across your tax brackets before RMDs kick in.  <\/p>\n<p class=\"wp-block-paragraph\">The \u201cEnd of Plan\u201d age directly impacts how your planning engine makes this recommendation. Especially if you decide to model your death in the near-term years. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678.jpeg\" alt=\"hand stopping domino effect\" class=\"wp-image-67516\" style=\"aspect-ratio:1.5004004929143562;width:495px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678-1024x682.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678-1536x1024.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/09\/pexels-photo-12955678-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Side Effect 5:  Pension and Annuity Decisions<\/h2>\n<p class=\"wp-block-paragraph\">Pension and annuity decisions are all about <strong><em>\u201chow long will you live?\u201d<\/em><\/strong> Plain and simple. Dying at 70 vs. dying at 90 are likely to make \u201cblack and white\u201d impacts for what to do with a pension.<\/p>\n<p class=\"wp-block-paragraph\">I think annuities are <a href=\"https:\/\/bestinterest.blog\/e131\/\">oversold and rarely ideal<\/a>, but when <em>would<\/em> they be a smart(er) decision? <strong>When you live a long life!<\/strong><\/p>\n<p class=\"wp-block-paragraph\">In summary, today, how you model your age at death is not just about running out of money. It affects taxes, Social Security, withdrawals, fixed income, and more.<\/p>\n<p class=\"wp-block-paragraph\">Thank you for reading! Here are three quick notes for you: <\/p>\n<p class=\"wp-block-paragraph\"><strong>First<\/strong> \u2013 If you enjoyed this article, join 1000\u2019s of subscribers who read Jesse\u2019s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Second<\/strong> \u2013 Jesse\u2019s podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> has grown ~10x over the past couple years, now helping ~20,000 people per month. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a><\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Last<\/strong> \u2013 Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. <a href=\"https:\/\/bestinterest.blog\/work\/\"><strong>Schedule a free call with Jesse<\/strong><\/a> to see if you\u2019re a good fit for his practice. <\/p>\n<p class=\"wp-block-paragraph\">We\u2019ll talk to you soon! <\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: Small change, giant impact. One challenge in financial planning is when a \u201csmall\u201d decision creates much bigger than we assumed. \u201cEnd of Plan\u201d is one such decision. Some planning software might call it \u201cplanning horizon\u201d [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7060231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[18355,10912,10933,10922,3909],"dealstore":[],"offerexpiration":[],"class_list":["post-7060230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-decision","tag-financial","tag-plan","tag-planning","tag-vital"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;End of Plan&quot; - A Vital Financial Planning Decision - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7060230\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;End of Plan&quot; - A Vital Financial Planning Decision - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: Small change, giant impact. One challenge in financial planning is when a \u201csmall\u201d decision creates much bigger than we assumed. \u201cEnd of Plan\u201d is one such decision. 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