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About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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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
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• FREE Consultation with a certified financial advisor in your area

Individual Retirement Account Services

What Individual Retirement Account Services Are You Looking For?

When it comes to individual retirement account services, there are a number of things that most of us are looking for. We want to be able to have individual retirement accounts services that will allow us to determine how much we can or should be savings; we wish that there were individual retirement account services that could very clearly explain the differences between accounts and to help us decide which is right for our needs - which will better help us to save for our retirements.

There are other things that we are looking for in individual retirement account services too. We want to know why saving with an individual retirement account is better for helping us to reach our goals than a traditional savings account. We also want to know whether our savings will be enough, and whether or not there are other options that are available to us that will be more effective. Many believe that individual retirement account services should not just provide the "pros" of saving in an individual retirement account - that those services would also tell us about the "cons" and that they would give us the pros and cons of other savings accounts and investments as well.

Because there don't always seem to be unbiased individual retirement account services, it's important that we make an effort to take a closer look on our own. It's essential that we develop a sense of which savings accounts are going to be the most effective for helping us to reach out retirement financial goals. It's important to understand that not all investments have high risks associated with them, and to do some research into the investments that we can make that will help us to reach out goals.

The good news is that, while it can be difficult to find unbiased individual retirement account services, there are tools that are available that will help to simplify learning more about our options and about our own savings and investments. One of the most effective tools for doing so is the free retirement calculator that you can download at the bottom of this page.

With the free retirement calculator, you will be able to look at your individual retirement accounts to see whether or not they are on track to provide you with the income that you will need after you have retired. You'll also be able to look at the way that your money could accrue in another account, and you will also be able to take a closer look at the investments that you have made and those that you're thinking about making.

Then, to provide even more individual retirement accounts services, you will receive a follow up call from a financial advisor in your area who will receive your contact information when you download the retirement calculator. During that call, you will be able to ask the questions that you have, talk about your retirement goals and to discuss all of the options that are available to you.

In other words, you won't be left in a position where you don't have all of the information that you need and you will be able to be the one in control of your financial future. And all it takes to get started is a simple click below to download the retirement calculator.

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?

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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.