Hi Don, This link that I gave to Aim Hier, <A HREF="http://www.isgplanning.com/Index.htm" target="_new">http://www.isgplanning.com/Index.htm</A> has a free for personal use program. Be sure to read the "Navigating an Investment Storm" article, which is about retiring in 1966, and having a bad decade. <A HREF="http://www.isgplanning.com/Storm.htm" target="_new">http://www.isgplanning.com/Storm.htm</A>