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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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• 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

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Retirement Intelligence Newsletter

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From the U.S. Government's own Social Security web site - "Under current law, if you have average earnings, your Social Security retirement benefits will replace only about 40 percent, so you'll need to supplement your benefits with a pension, savings or investments."  This assumes, of course, that Social Security is secure and will be around throughout your entire retirement.  Most financial planners suggest that retirees will need at least 75 percent of their pre-retirement pay, to ensure a comfortable retirement.  This percent comes from a combination of a pension, Social Security and personal savings.  Pensions are scarce, and if you are one of the lucky ones to have a pension, these are becoming less secure.  Just ask any United Airlines worker.  Thus, more and more it is up to us, the individual, to fund our entire retirement.  The FREE Retirement Intelligence Information Services newsletter provides investment education in easy to understand terms, to help you, the individual investor.  The service is absolutely 100% FREE for everyone. Providing intelligent retirement information is our passion. Through the Retirement Intelligence Information Services newsletter, you will become informed and empowered to take over control of your investments.  Topics covered by the Retirement Intelligence Information Services newsletter include: The Retirement Calculator 2.0  (a $24.95 value). Introduction to multiple Multi-Million Dollar business opportunities. Health Insurance and Health Care Costs Retirement News Letters Where to Retire Resources Retirement Communities Retirement Planning Resources Asset Allocation Strategies Money Manager Jobs over 55 Internet Technologies and Services Computer Training Information and Resources Annuities and Long Term Care Estate Planning Senior and Retirement Websites Financial e-Books Retirement Products and Services Meeting people and making long lasting Friendships In addition, Retirement Intelligence Information Services newsletter subscribers are encouraged to submit questions or topics you would like to see covered in the newsletter.  Colleen Mulder-Seward is our newsletter author and can be reached at Colleen@retirementcalc.com . The Retirement Calculator 2.0 is included at no additional cost for all Retirement Intelligence Information Services newsletter subscribers.  This software normally costs $24.95.  The Retirement Calculator at http://www.retirementcalc.com can help you to create your retirement income plan. Using the retirement calculator, you can view your retirement savings balance and plan your withdrawals for each year until the end of your retirement.  The results of your input assumptions are revealed instantly. Whether you are three months, three years, or 30 years away from retirement, it is never too early, or late, to start planning and investing. Through the creation of the correct plan now, you can make a big difference in how comfortable your retirement will be.  You have worked hard for what you have; you deserve to make your dreams of a comfortable retirement a reality.

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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.