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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.

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• 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

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Nationwide Retirement Planning

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Nationwide Retirement Planning Is a Priority

When it comes to retirement planning, nationwide people are looking for more information. They want to know more about the different types of accounts that are available, and they want to know what nationwide retirement planning options look like. Sure, there are stock brokers and investment bankers. There are insurance salespeople and those who make a living selling annuity accounts.

In other words, there are a wide variety of nationwide retirement planning services that are available to you. While that can be a relief, it's important to look at the fact that you'll need to know which of these services and which nationwide retirement planning options are going to help you to reach the financial goals that you have set for yourself.

Many financial services sales people know that many of us have concerns about how well we are planning for our financial futures; as a result, they have put a great deal of effort into finding the best way of selling their products. They present themselves as a nationwide retirement planning service, but the reality is that they are going to be focused on a particular part of retirement planning, a specific group of financial planning products and a certain target market.

That is why it is so important that, while you are looking at nationwide retirement planning services, you understand what you are seeing. One way that you can be sure that you are not being led astray and that you will be able to reach all of the goals that you've set for your retirement, is to download our free retirement calculator that is available at the bottom of this page. With it, you will be able to develop a strong sense of your savings and investment accounts and how they will work for you.

You?ll be able to see how your savings and investments have performed over time. You?ll also be able to look at projections for how those accounts ? 401ks, individual retirement accounts, stocks, bonds, money market accounts, mutual funds and annuity accounts? to see how they will perform over time, as far as twenty five years into the future.

Because those projections take changing interest rates and inflation into consideration, the values that you see will more accurately reflect the money that will be available to you when you retire. You?ll also be able to explore other changes that you might make to see what impact they would have on your financial security and whether that impact would be positive or negative.

However, that doesn't mean that you will be on your own. When you download the retirement calculator, your contact information will be forwarded to a financial advisor in your area who will give you a call and follow up with you. You?ll be able to get the answers and advice that you need, to see whether or not your financial strategies will help you to reach your retirement goals, and determine a plan for making any necessary changes.

While nationwide retirement planning is essential, that doesn't mean that it needs to be stressful. It's possible to take control of the process, to get the right advice and to reach your goals - you just have to take the first step. Click to download the free retirement calculator - you'll be glad you did.

Find a Qualified Financial Planner in Your Area

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?

Retirement Homes & Retirement Communities Retirement Homes is a comprehensive directory of retirement homes, retirement communities, senior housing, long term care and elder care facilities. Retirement Homes will help you learn about all your retirement living, senior housing, and long term care options in the USA and Canada. Search Zip Code Facility Select type of senior housing and preferred location to begin. Active Lifestyle Independent Living Congregate Living Assisted Living Continuing Care Nursing Care Alzheimer's Care Rehabilitation Care City: State: - State/Province - ---USA--- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New England New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming ---Canada--- Alberta British Columbia Manitoba New Brunswick Newfoundland Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon Outside USA/Canada   Learn more about senior housing options. Advanced Search Select type of senior housing & zip/postal code to begin. (*Required Field) Active Lifestyle Independent Living Congregate Living Assisted Living Continuing Care Nursing Care Alzheimer's Care Rehabilitation Care Zip/Postal Code:* (eg. 90210 or M6A 1J2) Distance:* 5 10 25 50 100 Units: Miles Kilometers Learn more about senior housing options. Advanced Search Enter the name of the senior housing community to begin. Facility Name: Learn more about senior housing options. Advanced Search

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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 Age

We 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.