Recommended Reading

• What They Didn't Tell Ya About Money In High School Part 1
• What They Didn't Tell Ya About Money In High School Part 2
• What They Didn't Tell Ya About Money In High School Part 3
• What They Didn't Tell Ya About Money In High School Part 4
• What They Didn't Tell Ya About Money In High School Part 5
• How to Stop The "N.F.L. Syndrome" From Stealing Your Retirement
• To those who want to save more money in 2009 and beyond...
• To single mothers who need to salvage their 401K's...
• How to Save $100 a Week In Three Easy Steps

About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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• How to Get A Guaranteed "Lotto Ticket" For Life!
• How to Pick The Right Mutual Funds For Your 401K
• How to Build Your Own Retirement "Christmas Tree"
• The "Toddler's Secret" For Building a 401K
• How to Grow A Strong 401K For Your Retirement
• Why 20% of Top Earners Get More Out Of Their 401K Plans
• The "Red Zone" 401K Game Plan To Score in Retirement
• How to Escape The 5th Ring Of Financial Hell
• How to Stop the "Pension Pirates" from Stealing your Retirement
• The 7 "Deadly Sins" Of Retirement You Can't Afford to Make
• To 30 Something Married Couples...
• How Raising Your Money IQ Can Give You A Richer Retirement
• To single mothers who need to salvage their 401K's...
• The Nervous Retiree
• Why You Need Retirement Calculator Software
• 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
• FREE New Social Security Calculator
• FREE Consultation with a certified financial advisor in your area

Life Time Income Consulting

Lifetime Income Consulting: Could You Benefit?

Many people find that there are benefits that come when they seek out lifetime income consulting. With lifetime income consulting, you'll be able to get a feel for all of the financial options that are out there - options that will help you to save for and invest in the future that you have always wanted to have and to understand how each of those products and services can benefit you.

In other words, lifetime income consulting is all about helping you to become more aware of your financial goals, it's about helping you to become aware of the tools that are available to help you to reach those goals, and lifetime income consulting is about helping you to make the choices that will best help you to know that you'll have an income that lasts a lifetime. But how can you determine which lifetime income consulting providers you will be able to trust?

No one wants to find himself or herself in a situation where it feels as if he or she is being taken advantage of. Unfortunately, lifetime income consulting is, on some levels a sales business; as a result, those who offer the service have crafted great ways of selling their products.

Because of this, it is important for those who are looking for lifetime income consulting to have a strong understanding of the savings and investments products that are available and to develop an understanding of the savings accounts that they have, along with the investments that they have made in order to avoid being led down the wrong path.

One thing that you can do to be sure that you are not being led astray is to download the free retirement calculator that is available at the bottom of this page. With it, you will be able to examine your savings and investment accounts and how they will work for you.

You?ll be able to use the retirement calculator to see how your savings and investments have performed over time. You?ll also be able to look at projections for how those accounts ? 401k, IRA and annuity for savings; stocks, bonds and mutual funds for specific investments ? to see how they will perform over the next twenty five years so that you can see whether or not they are going to help you to reach your goals.

In addition, when you download the free retirement calculator, your contact information will be forwarded to a financial planner in your area who will call you to follow up. That way, you?ll be able to get the answers and advice that you need. You?ll be able 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.

lifetime income consulting is meant to help you to reach your goals; shouldn't you be sure that you are getting the service and advice that you're looking for? With the free retirement calculator, you'll be able to do your research and learn to create the lifetime income you need.

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.