Recommended Reading
- What They Didn't Tell Ya About Money In High School Part 1
- What They Didn't Tell Ya About Money In High School Part 2
- What They Didn't Tell Ya About Money In High School Part 3
- What They Didn't Tell Ya About Money In High School Part 4
- What They Didn't Tell Ya About Money In High School Part 5
- How to Stop The "N.F.L. Syndrome" From Stealing Your Retirement
- To those who want to save more money in 2009 and beyond...
- To single mothers who need to salvage their 401K's...
- How to Save $100 a Week In Three Easy Steps
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.CBS The Early Show
Retirement Calculator, Inc. has been exposed live in New York on CBS The Saturday Early Show for its flagship product the Retirement Calculator and recommended by Ray Martin the top financial analyst for CBS News.Watch the video clip
Dial-up 28.8K or 56KHigh Bandwidth
Recommended Reading
- Retirement Calculator
- How to Build A Retirement You Can Fall In Love With
- The "Blue Grass" Retirement Haven You Don't Know About
- How to Heal From a 401K "Burn Notice"
- The Tax-Free Security Blanket For Your Child's College Fund
- How to Get A Guaranteed "Lotto Ticket" For Life!
- How to Pick The Right Mutual Funds For Your 401K
- How to Build Your Own Retirement "Christmas Tree"
- The "Toddler's Secret" For Building a 401K
- 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 7 "Deadly Sins" Of Retirement You Can't Afford to Make
- To 30 Something Married Couples...
- How Raising Your Money IQ Can Give You A Richer Retirement
- To single mothers who need to salvage their 401K's...
- The Nervous Retiree
- Why You Need Retirement Calculator Software
- Analysis of the Economics of Early Social Security Withdrawal
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.- FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
- FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
- FREE Retirement Intelligence Information Services Newsletter
- FREE New Social Security Calculator
- FREE Consultation with a certified financial advisor in your area
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 30 yr fixed mtg |
|
3.80% |
|
3.76% |
| 15 yr fixed mtg |
|
3.11% |
|
3.02% |
| 5/1 ARM |
|
2.69% |
|
2.68% |
| 30 yr fixed jumbo mtg |
|
4.38% |
|
4.39% |
| 5/1 jumbo ARM |
|
2.94% |
|
2.89% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.60% |
|
4.59% |
| $50K HELOC |
|
4.24% |
|
4.24% |
| $30K home equity loan |
|
5.77% |
|
5.76% |
| $50K home equity loan |
|
5.50% |
|
5.47% |
| $75K home equity loan |
|
5.47% |
|
5.44% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.13% |
|
3.13% |
| 48 month new car loan |
|
3.24% |
|
3.25% |
| 60 month new car loan |
|
3.34% |
|
3.35% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.36% |
|
4.36% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.46% |
|
0.46% |
| 1 yr CD |
|
0.70% |
|
0.70% |
| 5 yr CD |
|
1.38% |
|
1.38% |
| 1 yr IRA CD |
|
0.71% |
|
0.71% |
| 5 yr IRA CD |
|
1.49% |
|
1.49% |
Financial Advisor Fee Only
Retirement Calculator, Inc.financialadvisorfeeonly.com
|
Don't pay an Extra Fee to Your Financial Advisor for Services You Receive
Does your financial advisor work on a fee only basis? If your financial advisor does work on a fee only basis, what is that fee used for? Does it help you to plan your investment strategy, or do you feel as though even though you paid the fees your financial advisor does not want you to access the information that you need? In other words, are you uncertain that you can get quality information that is directly related to your own savings and investments? Are you able to get the answers you need when you are working or researching with you financial advisor's online site - or do you often fear that you've managed only to waste your time and your money? You deserve to be able to access you personal information when you are planning for your retirement. You deserve to get the answers that you need - answers that reflect the questions you have about the investments you've made. But more importantly, not only do you deserve to have access to the tools that you need to plan for your retirement, those tools should be available to you at no extra cost. You should be able to go to your financial advisors websites to get answers that you need in order to create a financial plan that is uniquely suited to your needs and to your situation. That's why you should take the time to download our free retirement calculator. With it, you will be able to look at the investments that you have made (or are thinking about making) and evaluate the way that those stocks, bonds and mutual funds have performed over time, and you will not have to pay a financial advisor fee online. Instead you will be able to enter in information about your savings and investments so that you can look not only at how they have performed but also at the projections for how those investments will perform in the future. Even better, the projections that you get will take into consideration changing interest rates and inflation. And, as a result you will have information that shows the value of your investments and savings that they will have in the future, not the value that they have now now. Why is that important? The simple answer is this: the cost of living is always on the rise. These days rising costs affect the housing market, the prices of gasoline and groceries, and even your financial advisor's fee only rate. You know that a dollar doesn't go as far today as it did ten years ago - a change that is the result of inflation. If the projections that you got about your investments from the retirement calculator were based on today's cost of living, you'd find, when you do retire, that the money available was not the money that you had thought would be there. When you use the free retirement calculator you will be avoid that kind of disappointment when you retire. You will be able to pay closer attention to your investments with the retirement calculator and therefore you will be able to make any necessary changes to your retirement plan so that you can be sure that you will have financial security. Similarly, you will be able to look at the ways that withdrawals from your retirement savings will affect your income later on. Likewise, you'll be able to see the way that making different investments will affect your savings in the long run - something that you might not be able to explore at your retirement center. There's one other thing that you'll receive when you download our retirement calculator that you will not get when you pay your financial advisor's fee only rate: a free consultation with a retirement counselor. Once you've explored your retirement savings and your investments as well as the changes that you could make to your financial plan, you'll be able to have a discussion with a retirement counselor who will work with you. You'll be able to get the answers you need. You'll be able to further develop your investment strategy, turn that strategy into a plan, and put that plan into action. Click the red button to get started with our retirement calculator and take control over your financial future. |
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
- 403(b) Plans Demystified
- Do You Need A Free Retirement Poem
- Do You Know Your 401k Maximum Contribution?
- 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 Calculate Retirement Needs
- How to Become A Successful Financial Consultant
- Free Retirement Planning Calculator
- Tap Into The New York City Retirement System
- Immediate Annuity Calculator
- Retirement Income Planner
- This Free Financial Planning Software Can Show You Five Things To Do When You Retire
- Retirement Intelligence
- Look Closely At Your 2007 401k Limit
- Download Our Free Retirement Withdrawal Calculator
- Reserve Retirement Calculator
- What You Need to Know to Create Your Retirement Budget
- Pension Plans and Your Retirement
- Speak To A Certified Financial Consultant Today
- Fixed Annuity Calculator
- Retirement Managers: How to Select the Best
- HP Financial Calculator
- How To Manage My Money
- Retirement Allocation Explained
- Hobbies: A Great Way to Add Fun to Your Retirement
- How Can I Do a Retirement Calculation?
- Average Retirement Savings by age
- Take A Retirement Early Withdrawal Without Penalty
- Investment Financial Calculator
- Your Financial Savings Plan Made Simple
- Financial Advisor License
- Financial Advisor Resume
- Gain Access To New York State Teacher Retirement
- Take Our Financial Planning Questionnaire
- Active Adult Community Retirement
- Free Retirement Planning Software
- What's Your Ideal Retirement Withdrawal Rate?
- Learn More About Retirement Planning in Canada
- Free Financial Planners
- Download Financial Calculator
- Welcome To My 401k Company
- Your Retirement Date
- Retirement and Mutual Funds
- Free Retirement Calculator Software
- Retirement Problems and You
- Financial Management Book
- Certified Financial Adviser
- Who has the Time to Read Retirement Books?
- Hobbies: A Great Way to Provide Retirement Happiness
- Financial Planning Retirement Software
- Take Our Financial Planning Software Survey
- The Right Retirement Estimator for You
- Retirement Investments Demystified
- Financial Investment Calculator
- Will My Money Last Throughout My Retirement?
- Calculating Retirement Has Never Been Easier
- Get a Paycheck 4 Life
- Free Annuity Calculator
- Find Independent Financial Advisors
- What is Your Retirement Projection?
- How To Find Financial Advisors
- Annuity Income Calculator
- Get The Best New York Teacher Retirement Plan Available
- Financial Advisor Fee Only
- Do You Belong To A Financial Planning Family?
- Free Financial Planning Tools
- Get A Free Financial Advisor
- Retirement Annuity Calculator
- How to Make Your Retirement Assessment
- Get A 401k Retirement Account Today
- Best Place to Retire in America
- Retirement Fund Calculator
- Retirement Calculator 401K
- Questions To Ask Financial Advisors
- The Latest Retirement Travel Trend
- Financial Management Consultant
- Manage My Retirement, Please!
- How To Find a Financial Advisor
- How To Choose A Financial Advisor
- Join A Retirement Community In Florida
- When Was the Last Time You Calculated Your Retirement Cost?
- Rate Financial Advisor
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.
