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
- Retirement Calculator
- How to Grow A Strong 401K For Your Retirement
- Why 20% of Top Earners Get More Out Of Their 401K Plans
- The "Red Zone" 401K Game Plan To Score in Retirement
- How to Escape The 5th Ring Of Financial Hell
- How to Stop the "Pension Pirates" from Stealing your Retirement
- The Nervous Retiree
- Why You Need Retirement Calculator Software
- Analysis of the Economics of Early Social Security Withdrawal

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.Get Free Financial Retirement Advice
financialretirementadvice.com
The best advice that anyone can give you is to plan ahead financially for retirement. Whether you are 26 or 62, it's never too early or too late to start setting aside money to make sure that you will have a financially stable retirement. But we know that many people seek financial retirement advice because they don't know where to begin. We know that you have concerns about whether or not you'll be able to make ends meet if you are putting much of your income into savings. We also know that it's likely that you're seeking financial retirement advice because you are concerned that you won't be able to set enough money aside for your retirement. You're nervous that, no matter how well you plan for your retirement and no matter how well you invest, something might happen that will make it so that you run out of money after you retire. So, what can you do? You can get in touch with a financial planner who may or may not let you invest your way. You can trust the information that a professional gives you, even if you don't understand it. We think that you deserve to invest your way. We also believe that you need financial retirement advice because you deserve to understand why you are being given the advice that the professionals are sharing with you. We believe that you deserve to know what information they are using to form their opinions so that you can decide for yourself whether or not their advice is good for you. But how do you know what's best for you? How do you determine the level of risk that you want to take with your investments? How do you know that the stocks, bonds, and mutual funds that you invest in will perform for you in the way that you hope they will? We believe that you need to be able to find financial retirement advice and that the information you get is presented in a clear, easy-to-understand way. That's why we hope that you will download our free retirement calculator by clicking the red button below. We understand that you need to plan ahead but that you don't always have enough time to thoroughly research all of your investments. Our retirement calculator software has done a lot of that research for you. By evaluating the way investments have performed you will be able to see how they may perform in the future. What's more, the retirement calculator provides you with a way of seeing how your investments will perform. The projections that it gives are not for one or two years; rather, they are for the performance of your stocks, bonds, and mutual funds for 25 years. And those projections can prove to be great financial retirement advice. This is especially true because the values that these projections give take into account interest and inflation rates. But the most valuable feature that our inflation calculator provides is a tool that will let you see how much of your savings you can withdraw on an annual basis without jeopardizing your future. Whether you withdraw that money to reinvest or you use it for the down payment on a house or car, you can be sure that you will have evaluated the possible effects. And, by using our retirement calculator to evaluate your investments, you will not be led astray by a financial advisor who might take advantage of what you do not know. In fact, we want to be sure that the financial retirement advice you get comes from an advisor who has your best interests in mind. That's why, when you click the red button below to download our free retirement calculator, we will make sure that you are contacted by a qualified retirement planner for a free consultation. We want to make sure that you are getting all that you can from your investments. We sincerely hope that you will take advantage of this free offer. Our retirement calculator will ensure that your investments will perform as you need them to. The free consultation with a financial advisor will ensure that you make all the necessary changes to your investments that will make all of your retirement dreams a reality. So, please, invest in yourself. Start now by clicking the red button to download our free retirement calculator to be certain that your investments are working for you. |
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?
- 401k Plans Made Simple
- Military Retirement Pay Calculator
- Is That 401k Early Withdrawal Penalty Worth It?
- The Truth About Borrowing Against Your 401k
- Dividing Your 401k After A Divorce can be Tricky
- Retirement Calculator
- Registered Retirement Savings Plans (RRSPs)
- Understand Borrowing From Your 401k
- Mortgage Calculator Excel
- Do You Need A Free Retirement Poem
- Do You Know Your 401k Maximum Contribution?
- 403(b) Plans Demystified
- 401k vs. Roth IRA: Which One Is Right For You?
- IRA's Simplified
- The Truth About Michigan Teacher Retirement
- Excel Spreadsheet Mortgage Calculator
- Invest In A Nationwide 401k Plan
- Your Retirement Future
- Is That 401k Early Withdrawal Penalty Worth It?
- How Long Will My Money Last?
- Annuity Payment Calculator
- Annuity Payout Calculator
- How to Become A Successful Financial Consultant
- Free Retirement Planning Calculator
- How to Calculate Retirement Needs
- Tap Into The New York City Retirement System
- Immediate Annuity Calculator
- Retirement Income Planner
- Look Closely At Your 2007 401k Limit
- This Free Financial Planning Software Can Show You Five Things To Do When You Retire
- Download Our Free Retirement Withdrawal Calculator
- Retirement Intelligence
- What You Need to Know to Create Your Retirement Budget
- Speak To A Certified Financial Consultant Today
- Reserve Retirement Calculator
- Retirement Managers: How to Select the Best
- Pension Plans and Your Retirement
- Fixed Annuity Calculator
- HP Financial Calculator
- How To Manage My Money
- Hobbies: A Great Way to Add Fun to Your Retirement
- Retirement Allocation Explained
- How Can I Do a Retirement Calculation?
- Investment Financial Calculator
- Take A Retirement Early Withdrawal Without Penalty
- Average Retirement Savings by age
- Your Financial Savings Plan Made Simple
- Financial Advisor Resume
- Gain Access To New York State Teacher Retirement
- Financial Advisor License
- Take Our Financial Planning Questionnaire
- Active Adult Community Retirement
- Free Retirement Planning Software
- What's Your Ideal Retirement Withdrawal Rate?
- Welcome To My 401k Company
- Free Financial Planners
- Take Our Financial Planning Software Survey
- Learn More About Retirement Planning in Canada
- Download Financial Calculator
- Free Retirement Calculator Software
- Retirement and Mutual Funds
- Certified Financial Adviser
- Retirement Problems and You
- Your Retirement Date
- Financial Planning Retirement Software
- Retirement Investments Demystified
- Who has the Time to Read Retirement Books?
- The Right Retirement Estimator for You
- Hobbies: A Great Way to Provide Retirement Happiness
- Financial Management Book
- Will My Money Last Throughout My Retirement?
- Calculating Retirement Has Never Been Easier
- Annuity Income Calculator
- Financial Investment Calculator
- What is Your Retirement Projection?
- Find Independent Financial Advisors
- Free Financial Planning Tools
- Financial Advisor Fee Only
- Get a Paycheck 4 Life
- Do You Belong To A Financial Planning Family?
- Free Annuity Calculator
- Get The Best New York Teacher Retirement Plan Available
- How to Make Your Retirement Assessment
- Retirement Annuity Calculator
- Get A 401k Retirement Account Today
- How To Find Financial Advisors
- Retirement Fund Calculator
- Best Place to Retire in America
- Retirement Calculator 401K
- Get A Free Financial Advisor
- Manage My Retirement, Please!
- Financial Management Consultant
- The Latest Retirement Travel Trend
- Join A Retirement Community In Florida
- When Was the Last Time You Calculated Your Retirement Cost?
- Retiring in Comfort
- How To Find a Financial Advisor
- Your Financial Wealth Plan
- The Latest Retirement Concept
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.







