Short description of J and L Retirement Planner 15.0: The top rated J and L Retirement Planner is a retirement planning software program that allows you to create 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 program includes many financial calculators.