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
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- How to Grow A Strong 401K For Your Retirement
- Why 20% of Top Earners Get More Out Of Their 401K Plans
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- How to Escape The 5th Ring Of Financial Hell
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- Analysis of the Economics of Early Social Security Withdrawal
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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.Is Your Financial Planning Consultant Certified?
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There are many times in life that one may need a certified financial planning consultant. That's why we're committed to helping you discover when you may need that certified financial planning consultant and providing some good options for you to choose from. Right here, you'll find all that you need to understand the world of certified financial planning consultants, and more. One of the most valuable tools we offer here is the free retirement calculator. Some people consider it a more valuable resource than a certified financial planning consultant. We hope you'll feel the same way. The retirement calculator is a free download that will answer many of your retirement questions. Simply click the red button and you will be on your way to a host of new and empowering knowledge. For example, by clicking the red button and receiving the free retirement calculator, our team of certified financial planning consultants will show you how much money you can safely withdraw from a retirement account without putting future savings in jeopardy. The retirement calculator can also help you figure how much money you will have by retirement based on your level of 401k investment, your company's matches, the approximate percentage earned on the invested money, and the amount of time you have left until retirement. Our certified financial planning consultants understand that the thought of beginning retirement and stopping regular paychecks can be overwhelming and anxiety producing. So, once you press the red button and receive your free retirement calculator, you'll have the opportunity to consult with a certified financial planning consultant at no charge. During this meeting, your financial state and goals will be discussed. Your certified financial planning consultant does not require the purchase of any product of service during this initial consultation. Instead, a respected, local certified financial planning consultant will meet with you and discover who you are financially and where you want to be by retirement. The retirement calculator can be yours free by simply clicking the red button. We believe that you'll find it to be of extremely high quality. In fact, our certified financial planning consultants offer such a high quality retirement calculator that it was endorsed by Ray Martin. If you are not familiar with Ray Martin, he is one of the country's top leading financial analysts. He is employed in the capacity of financial analyst by CBS and personally endorsed the retirement calculator on a segment during the CBS Saturday Early Show. Ray Martin's background and expertise lend him the confidence and knowledge to be able to assist the American public in understanding the value of the free retirement calculator that can be yours by pushing the red button. Even though you may be hesitant about retirement and about your financial future, we know that you will rest easier by having the retirement calculator available to you at all times. We also know that having a local, respected certified financial planning consultant available to you will also help ease your mind about you financial fitness. The certified financial planning consultant that meets with you will be able to help you understand why you are where you are financially and if there are ways to improve what you are or are not already doing. So, go ahead and click the red button. You will receive a free retirement calculator and consultation with a certified financial planning consultant. You financial future is at stake. |
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Retirement Knowledge Center
Search our extensive retirement knowledge base.Top 100 Articles by Web Traffic:
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Do You Know the Answers to These Important Retirement Questions?
- Are you retired or thinking about retiring?
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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.
