About Retirement Calculator, Inc.

Recommended Reading

• 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

Retirement Nationwide Solutions

Retirement: Finding Nationwide Solutions

Planning for retirement can be challenging. Nationwide, people are looking for the right retirement solutions - those that they are looking for that will help them to reach all of the financial goals that they have set for themselves. Retirement concerns - and the nationwide solutions that will address them - are common.

Regardless of whom you are and of what your retirement goals are, finding retirement solutions is key. You need to be able to know that you will be able to make ends meet once there is not a steady paycheck coming in from an employer. You need to know that there are nationwide retirement solutions that will let you have the money that you need to have saved so that if there is an unexpected expense, you will be able to meet it. You need to know that there are nationwide retirement solutions that will allow you to travel, to help your family and to be able to keep everything in perspective.

While looking for retirement nationwide solutions, there are a number of things that you are going to want to keep in mind:

1. The solutions that you are looking for may not be the same as those that others are looking for;


2. It's important to understand not only what your goals for retirement are, but also to have a strong sense of where you are now; and,


3. In order to find retirement solutions nationwide, you are going to need to have an idea about what issues you have that need to be addressed.

In addition to those elements, there's one more thing that you will want to keep in mind: in order to find nationwide retirement solutions, you are going to want to be able to find some of those solutions for yourself. One tool that you can use for taking control of your retirement savings and investments so that you can identify any problems and find retirement solutions is the free retirement calculator that you can download from the bottom of this page.

With it, you will be able to take a closer look at your savings to see whether or not you are on track. Likewise, you will be able to look at the investments you've made - individually and as a full portfolio - to determine whether or not they are going to help you to reach your goals. Because your contact information will be forwarded to a financial advisor in your area when you download the retirement calculator, you will also be able to take advantage of a follow up call from a professional who can help identify the best solutions for you.

Though many people nationwide are looking to find retirement solutions, it seems as though the might not be looking in the right place. When you focus on your own situation, when you are able to look for solutions both on your own and with the help of a local financial advisor, you will be ahead of the game. And all it takes to get started is a click to download the free retirement calculator. So, what are you waiting for?

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?

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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:

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.