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About Retirement Calculator, Inc.

CBS The Early Show

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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
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Large Business Retirement

Large Business Retirement Services: Finding the Information You Need

It used to be that large business retirement services were used by financial officers to determine the best way of being their for their employees after those employees retired. As time has gone on, however, most large businesses have begun to look at retirement services in a different way.

Instead of focusing on providing pension accounts that would reward long term employees with an ongoing paycheck, large business retirement services are designed to help companies help their employees to help themselves. Instead of focusing on providing on going health care to their employees, large business retirement services are used to focus on helping those staff members who are approaching retirement to plan for their own health care as they plan for retirement.

However, just because large business retirement services are changing along with the economy, one thing is sure: large businesses still want to be able to be there for their employees. While they may contribute far less to the retirement savings that their staff members will have, large business retirement services help these businesses to see what they can do and to help communicate savings and investment information to their employees.

In other words, large business retirement services should:

1. Offer the financial executives at larger businesses the chance to understand the differences between retirement savings accounts - certificates of deposit, Roth IRAs and other individual retirement accounts and other savings - so that they can explain the differences to the staff;


2. Offer the financial executives at larger businesses the opportunity to understand the different types of investment accounts so that they can explain 401k or 403b accounts, mutual funds and stock investments with varying degrees of risk to their staff; and,


3. Create a way for financial executives at larger companies the opportunity to help explain retirement planning to their employees who have less financial knowledge but need to know what it is going to take to save for and invest in their retirement.

Large business retirement services are not about determining what companies can do for their employees so much as they are about being able to explain what those employees can do for themselves.

The retirement calculator that you can download - at no charge - at the bottom of this page can be a valuable tool for those who are trying to find a better strategy for saving for and investing in retirement. In lieu of large business retirement services, exploring options with the retirement calculator and encouraging staff members to do the same can help to focus retirement planning.

Further, when you download the retirement calculator, you will receive a follow up call from a financial advisor in your area because your contact information will be forwarded. During that call, you'll be able to ask questions and get advice; and if you encourage your employees to use the retirement calculator, they too will receive a follow us call so that their questions will be answered as well.

In other words, rather than basic large business retirement services, the free retirement calculator as well as the financial advisor follow up call will help executives and staff members alike to plan for retirement. See for yourself: just click to download the free retirement calculator and get started.

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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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.