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About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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• Analysis of the Economics of Early Social Security Withdrawal

• 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
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• FREE Consultation with a certified financial advisor in your area

Retirement Planning Nationwide

Retirement Planning Nationwide: What Does it Mean For You?

What does your retirement planning company do for you? Retirement planning nationwide should be provided by companies that to your retirement goals. Nationwide, retirement planning companies should give you a say in which stocks, bonds and mutual funds are purchased as a part of your savings and investment plan. Most importantly, retirement planning nationwide should give you the confidence that the advisors that you are working with are working for you.

When it comes to retirement planning nationwide, some people find that they do have a say in the way their savings and investment accounts are set up. Others do believe with total confidence that the investments that are being made in their name really are in the best interest of your retirement savings. On the other hand, there are many people nationwide who, when it comes to retirement planning, wish that they had a greater understanding about what is being done for them.

Either way it is a lot easier than you think to ensure that your savings are working the way that you want them to work. It is possible to verify that your investments are performing in a way that will ensure that you are able to reach all of your retirement goals regardless of what they are.

If you want to be sure that your retirement planning goals are going to be met, if you want to take control and make sure that everything is going as smoothly as possible, you need to do more to understand retirement planning. The easiest way of doing that is to download the free retirement calculator at the bottom of this page.

The retirement calculator is an extremely effective way to determine whether or not you've been making the right choices when it comes to retirement planning. Nationwide, it is essential for investors to understand their savings and investments and whether or not they will provide an adequate income after retirement. With it you will be able to analyze your stocks, bonds and mutual funds to see how they have performed over time and how they are projected to perform over the next twenty five years.

Not only that but you will be able to use the retirement calculator to look at the impact that interest and inflation will have on your retirement finances. You will be able to use the retirement calculator to make sure that you are investing in the way that is right for you, and you will also be able to use the retirement calculator to see whether or not a change to your investment strategy is a good idea. By looking at strategies with this free retirement calculator, you can determine whether or not you will be able to reach all of your retirement goals.

Retirement planning, nationwide, however is never something that you should do entirely on your own. That's why, when you download the free retirement calculator, your contact information will be forwarded to a financial advisor in your area - someone who can help to answer your questions and give you the guidance that you need to make the right choices.

Retirement planning, nationwide, is a key part of life; why not take control of the process?

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?

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:

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.