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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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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.

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Colleen's Corner

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.
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NATIONAL OVERNIGHT AVERAGESTODAY+/-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%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-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%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-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%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-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%
Rates may include points

Meet Your Licensed Financial Advisor

Retirement Calculator, Inc.
licensedfinancialadvisor.com

Are you looking for a licensed financial advisor to help you plan for your retirement? Do you want to find a professional who will make your goals a priority? Do you want to find a licensed financial advisor who will help you reach your goals in your way? 

Of course you do. When you're planning for your retirement, you have a vision of what you want that is as unique as you are. Whether your goal is to be debt free and financially stable, or to be able to travel, or to be able to set aside enough money to cover unexpected medical costs, a licensed financial advisor can help you get there.

But how can you be sure that your financial advisor is someone who is listening to and taking into consideration your wants and needs? How can you tell that the advice you are given will actually bring you closer to achieving your financial goals?

One way of being sure that you are getting your financial planning needs met is to make sure that you know what your goals are. Take the time to list them, even if they seem less than practical. If you don't identify your goals, you won't be able to convey them to the licensed financial advisor you choose to work with. 

If you are unable to communicate your goals, no matter how much the licensed financial advisor you work with wants to help you reach them, it's going to be challenging. But once you have articulated your goals to a financial advisor who you trust, how do you know that you're getting the best advice possible?

In order to ensure that the advice that you are getting is the advice that will help you reach your goals, you need to be aware of how different investments will work for you. You need to understand how the markets work and how they are affected by inflation and other economic influences.

That probably sounds like a lot of work. You're probably thinking that you don't have the time to do all the research, and that the reason you're looking for a licensed financial advisor is so that you don't have to do all of the research for yourself.

But what if you had a tool that would let you see how stocks, bonds, and mutual funds can work together for you? What if you could see how each type of investment has performed over time , say the last 50 years? And what if you could factor in withdrawals, interest, and inflation to see how your investments would work for you in the future?

What if we told you that we want to give you a retirement calculator that is easy to use and that will help you to get all of that information quickly and easily? What if we were willing to give you a retirement calculator that would give you the ability to see for yourself how different investment strategies would work for you?

Would you take advantage of that offer? Would you click the red button and get started right away? We hope so, but just in case you aren't convinced, we want to tell you more about our retirement calculator that we are offering you for free.

We know that your retirement goals are yours. We know that you want to be sure that you are getting the best financial advice. We know that you don't always have the time to do the research you need to do. 

That's why we want to put you in control, and why we want you to have all of your questions answered.  We've built into our retirement calculator 50 years of market trends as well as calculations to measure interest values and rates of inflation. We've also built in a tool that will help you determine whether or not you can make withdrawals from your savings to cover the expenses that you have now.

But we know you want it to be easy to use, and that's why we built in access to immediate online customer service. And, as an added bonus, we've also arranged for a licensed financial advisor to contact you to help work out your investment strategies , someone who will work with you to achieve your goals, in a free consultation.

Our retirement calculator will save you time and energy and help you plan your strategies. The free consultation with a licensed financial advisor will get you on the right path. And if at any time you have questions about your investments, you will be able to go back into the retirement calculator software to verify that the information you are being given will help you to achieve your goals.

So why wait any longer? Take control of your retirement and get expert advice for free by clicking the red button to get started.

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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.

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Retire In a Weekend

Would you like to retire, but aren't sure you can?

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Retirement Calculator Premium

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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.