Welcome

Software tools and hands-on services for households and financial professionals

Economic Security Planning, Inc. provides the nation's most powerful and comprehensive financial planning tools and hands on calculation services to households and financial planners. Our unique, widely acclaimed, and highly affordable products were developed by Boston University Professor Laurence Kotlikoff -- one of our nation's leading economists and the company's founder. You can use our patented tools on your own or have us use them for you. Either way our goal is finding safe ways to maximize your sustainable living standard. So whether its saving, insurance, Social Security, retirement, career, divorce, housing, or job decisions, we can help.

Software Tools

Our tools are designed to provide clear, practical suggestions to improve households' financial futures.

Maximize My Social Security

Platform: Web

Top-ranked by the Wall Street journal, this web-based program finds the unique collection strategy that will maximize your lifetime Social Security benefits. Learn when and how to collect retiree, spousal, survivor, divorcee, parent, and child benefits to achieve the highest lifetime benefits. Incorporates all Social Security provisions and options for singles and married couples.

ESPlanner

Platform: Desktop

The most powerful and comprehensive software planning tool on the market. Its patented algorithm takes the guess work out of financial planning. It determines your sustainable living standard -- what you can spend on an ongoing basis -- and finds safe ways to raise it. ESPlanner can show the living standard impact of any and all financial and life style decisions.

ESPlannerBASIC

Platform: Web

This simplified online program shows you the power of ESPlanner to smooth and raise your sustainable living standard or, if you are a professional, the living standards of your clients. The program, ranked by Money Magazine as the best of the web, can be run for free. For a fee, you can save your data and also run the program in Monte Carlo and Upside Investing modes.

Hands-On Services

We offer three hands-on planning services. First, we use our software to provide financial plans for households as well as for the clients of financial professionals. Second, we help those getting divorced evaluate alternative divorce settlement agreements. And third, we assist individuals and financial planners in the use of our tools.

For the record, we are not licensed financial planners. Nor do we provide investment or any other form of financial advice. Our financial plans constitute one thing only -- educational inputs into informed financial decision making.

Direct Calculation Service

Give us your data and let us run our software and plan directly for you. We'll use ESPlanner to not only to provide a comprehensive lifetime financial plan. We'll also find safe ways to dramatically raise your (your clients') living standard.

Fair Divorce Service

Trying to reach a fair, tax-efficient, and Social Security maximizing divorce agreement? Let us use ESPlanner to show you what you and your spouse will both get to spend on an ongoing basis under alternative divorce agreements.

One-on-one Software Training

Need extra training using our tools? Let us go online with you, review your inputs, suggest relatively safe ways to raise your living standard, help you understand the reports, and provide answers to any and all of your questions.