About Retirement Calculator, Inc.
Retirement Calculator, Inc. provides the tools and resources necessary to assist you in making critical economic decisions regarding your retirement future.Recommended Reading
Let Us Help With
Your Retirement
By putting your home's equity to work, you can take advantage of decreased monthly expenses while gaining cash for travel, medical expenses, home repair, investment or simply enjoying life as you see fit. Qualify for a Reverse Mortgage Now
Retirement Intelligence Information Services
This free newsletter provides investment education in easy to understand terms, to help you, the individual investor.Sign-up for the
FREE newsletter
Asset Allocation
Often financial "experts" make asset allocation difficult to understand. My goal in this series of articles is for you to understand asset allocation thoroughly, in an easy to understand format.Certified Financial Adviser
certifiedfinancialadviser.com
|
Work with a Certified Financial Advisor Who Will Help You to Reach Your Retirement Goals
Retirement planning: it can be a frightening thing. Some economists talk about a rising market, but also discuss fears of investments that will never live up to the hype. Some politicians bring up the state of Social Security, and try to make you understand why you should be concerned about the security of your retirement income. You start to wonder what you can do to make sure that you can plan for your retirement so that you can be in control. The first step to take that will help you to gain that control is simple: work with someone who will help you plan effectively. That's why you should find a certified financial advisor who will work with you to help you understand your unique situation. But a certified financial advisor does not want to do the work for you. In fact, a reputable certified financial advisor will not even want to be in control of your retirement savings plan. In order for your future to be secure, you need to be involved in the work. You need to have some control. But in order for you to make sure you have that control, you need to have the tools to understand your savings and investment accounts. While a certified financial can advise you, while a certified financial advisor has experience with savings, investments and retirement planning, in order for a retirement plan to be successful for you, you need to help to design it. You need to understand the choices that you are making and how they will affect your future. That is the reason why you should seek out the tools that you need to better understand your situation. That's why the retirement calculator that you can download with a click on the red button at the bottom of this page is such a valuable program. What will this software do for you? It will let you look at your investments. It will let you test different scenarios and see just how inflation might affect you. It will show you how withdrawals you might make from your investments and savings might affect your future financial stability. And having that knowledge makes you a better customer. A reputable certified financial advisor will then be able to work with you to make sure that your future is secure. How will you know that the certified financial advisor who you are working with will be able to give you the service that you need? The answer is simple. You will be informed after using the free retirement calculator. And, after you have had time to use it, you will be provided with a free consultation with a certified financial advisor, an expert retirement information service consultant in your area. This consultant will be able to answer any of the questions you might have and will be able to get you started on the path to financial security - both for now and for your retirement. You need to be in control of your retirement plan. You deserve to have service from a certified financial advisor that meets your needs and exceeds your expectations. When you download the free retirement calculator at the bottom of this page, you will be able to have both - the knowledge you need to control your retirement plan and a certified financial advisor who can help you every step of the way. Click the red button now to get started. Once you've clicked on the red button, you'll be able to download our free retirement calculator and then talk with a certified financial advisor in your area who can help to answer your questions and set your retirement savings and investment plan into motion. |
Find a Qualified Financial Planner in Your Area
Retirement Knowledge Center
Search our extensive retirement knowledge base.Top 100 Articles by Web Traffic:
- Is That 401k Early Withdrawal Penalty Worth It?
- Military Retirement Pay Calculator
- 401k Plans Made Simple
- Is That 401k Early Withdrawal Penalty Worth It?
- The Truth About Borrowing Against Your 401k
- Mortgage Calculator Excel
- Do You Need A Free Retirement Poem
- Understand borrowing From Your 401k
- Dividing Your 401k After A Divorce can be Tricky
- Retirement Calculator
- Registered Retirement Savings Plans (RRSPs)
- Do You Know Your 401k Maximum Contribution?
- 403(b) Plans Demystified
- 401k vs. Roth IRA: Which One Is Right For You?
- Excel Spreadsheet Mortgage Calculator
- The Truth About Michigan Teacher Retirement
- IRA's Simplified
- How Long Will My Money Last?
- Is That 401k Early Withdrawal Penalty Worth It?
- Annuity Payment Calculator
- Invest In A Nationwide 401k Plan
- Annuity Payout Calculator
- Your Retirement Future
- Free Retirement Planning Calculator
- Immediate Annuity Calculator
- How to Become A Successful Financial Consultant
- Look Closely At Your 2007 401k Limit
- Tap Into The New York City Retirement System
- How to Calculate Retirement Needs
- Retirement Income Planner
- Retirement Managers: How to Select the Best
- This Free Financial Planning Software Can Show You Five Things To Do When You Retire
- Download Our Free Retirement Withdrawal Calculator
- Fixed Annuity Calculator
- Speak To A Certified Financial Consultant Today
- What You Need to Know to Create Your Retirement Budget
- HP Financial Calculator
- Reserve Retirement Calculator
- Hobbies: A Great Way to Add Fun to Your Retirement
- How To Manage My Money
- Financial Advisor Resume
- Pension Plans and Your Retirement
- Retirement Allocation Explained
- Investment Financial Calculator
- Your Financial Savings Plan Made Simple
- How Can I Do a Retirement Calculation?
- Retirement Intelligence
- Gain Access To New York State Teacher Retirement
- Active Adult Community retirement
- Take A Retirement Early Withdrawal Without Penalty
- Welcome To My 401k Company
- Take Our Financial Planning Questionnaire
- Take Our Financial Planning Software Survey
- Free Retirement Planning Software
- Financial Advisor License
- Free Retirement Calculator Software
- What's Your Ideal Retirement Withdrawal Rate?
- Certified Financial Adviser
- Financial Planning Retirement Software
- Will My Money Last Throughout My Retirement?
- Retirement and Mutual Funds
- Your Retirement Date
- The Right Retirement Estimator for You
- Retirement Investments Demystified
- Who has the Time to Read Retirement Books?
- Hobbies: A Great Way to Provide Retirement Happiness
- Free Financial Planners
- Retirement Problems and You
- Learn More About Retirement Planning in Canada
- What is Your Retirement Projection?
- Annuity Income Calculator
- Free Financial Planning Tools
- Download Financial Calculator
- Manage My Retirement, Please!
- How to Make Your Retirement Assessment
- Do You Belong To A Financial Planning Family?
- Financial Management Book
- Get A 401k Retirement Account Today
- Retirement Annuity Calculator
- Calculating Retirement Has Never Been Easier
- Get The Best New York Teacher Retirement Plan Available
- Financial Advisor Fee Only
- Financial Management Consultant
- Join A Retirement Community In Florida
- Retirement Calculator 401K
- Get A Paycheck 4 Life
- Get A Free Retirement Planning Guide
- Average Retirement Savings by age
- The Latest Retirement Travel Trend
- Find Independent Financial Advisors
- Do You Get Your Financial Planning Free?
- Get Ready for Retirement Quickly
- How To Find Financial Advisors
- Retirement Fund Calculator
- Financial Investment Calculator
- Meet Your Financial Service Advisor
- Retiring in Comfort
- The Right Retirement Calculator for You
- How To Find a Financial Advisor
- Free Annuity Calculator
Do You Know the Answers to These Important Retirement Questions?
- Are you retired or thinking about retiring?
- Do you have enough money to comfortably live throughout your retirement years?
- Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
- Are you looking for help to achieve your long-term financial goals?
- Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?
|
|||||||||||||||||||||||
Would you like to retire, but aren't sure you can?
Have you wondered if you have enough money to retire, how long it will last, how much you can take out, and the best way to invest?
Everyone who has thought about retirement has asked themselves these and other questions. Now you can get ALL the answers in Retire in a Weekend! This short, simple, humorous, easy-to-understand book answers the 10 most popular questions and addresses the 5 biggest concerns people have about retiring! So stop asking yourself IF you can retire ... with Retire in a Weekend! you'll learn HOW to actually do it.
For a limited time, purchase Retire In a Weekend for $29.95 and receive a free download of Retirement Calculator Premium.
Analysis of the Economics of Early Social Security Withdrawal
Robert J. Phillips
Chief Retirement Consultant
Deciding whether or not to take the early withdrawal of social security at age 62 can be difficult. If you need this income at 62 to fund your retirement the decision is fairly straightforward. Take it early! On the other hand, if you have another source of revenue to fund your retirement your decision will be primarily based on lifestyle, health and investment preferences.
Several factors can affect your decision. First is your life expectancy. If you are in good health and have a family history of living beyond 90 then waiting for full benefits may be best. Two other factors impact this decision. First and most important is the value of money or your expected return from your investments. If you are using other investments instead of social security to fund your retirement you should use the rate of return of these investments as your value of money. There is another way to look at the value of money. If you do not require the social security money to live, you can invest the distributions for the future. The rate of return of this investment is your value of money. If your investments will make larger returns such as stocks this would favor taking the early withdrawal.
The last factor impacting your decision is inflation. Social security includes an annual adjustment based on inflation. You cannot control this variable but you should be aware of its impact. If future inflation is significant it will favor a later full distribution
FREE Social Security Calculator:
Find Out Your Breakeven AgeWe developed a calculator to assist in analyzing the impact of taking early benefits at age 62 or waiting for full benefits at age 66 to 67 depending on the year you were born...If you were born in 1960 or later your full benefits will begin at age 67 and your reduction for early benefits at age 62 will be 30%. If you were born between 1946 and 1960 your full benefits begin as early as age 66. We have included a chart that summarizes information.
To use the calculator you need to input your year of birth. You also need to input a value of money up to 10% and a projected inflation adjustment. The calculator analyzes income generated over time from both the early and full benefit investments. It calculates the age at which full social security will catch up and breakeven with the early withdrawal. If you were born before 1960 your breakeven age will be impacted by the year you were born. An early breakeven age favors waiting for full benefits.
The social security calculator is not the final answer whether to take an early withdrawal but it does give you additional economic data to assist in that decision. Ultimately you must balance income, investments and lifestyle to optimize your enjoyment during your retirement years.
