The top rated J and L Retirement Planner is tool that allows you to create simple or complex retirement scenarios based on financial events through out your life. You create the scenario based on your current financial status and future financial events. The J and L Retirement Planner executes your scenario and displays the effects on your net worth through out a selected time span. The output is displayed in a text format that shows the yearly effects on up to 50 accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs. The program can create a scenario based on mortgage, loan, withdrawal, deposit, and transfer events. The program includes budgeting features and many financial calculators including a rule72 calculator. It also includes RMD distributions.