Developed by Boston University economist, Laurence Kotlikoff, ESPlanner eliminates the guess work in financial planning. Its patented algorithms do lifetime budgeting, calculating how much to spend, save, and insure each year to maintain your family's living standard. ESPlanner also helps you find safe ways to raise your living standard, often dramatically. And it shows you the living standard risks and rewards of aggressive investing and how to build a floor to your living-standard.