About Retirement Calculator, Inc.

Recommended Reading

• The Nervous Retiree
• Why You Need Retirement Calculator Software
• Analysis of the Economics of Early Social Security Withdrawal

Arizona Golf Retirement Community

Is an Arizona Golf Retirement Community in Your Future?

When it comes to planning for retirement, a lot of people have a strong sense of what they are looking for. There's climate - ask anyone in New England and long cold winters just aren't as appealing as they had been when they were skiers. There are hobbies to consider - plenty of people look forward to retiring simply because it will give them a chance to get out on the golf course rather than pushing paper during the week. There's the desire to come together with others and forming new friendships. This type of thinking gets people focused - for some, it brings to mind an arizona golf retirement community .

However, simply setting your sights on an arizona golf retirement community isn't enough to guarantee that you will be able to make it happen. There are other things that you are going to need to pay attention to, and the sooner you become aware of them, the better your chances of finding yourself in the arizona golf retirement community that you've been thinking about.

So what is it that you need to be aware of? Primarily this: in order to achieve your goal of relocating to an arizona golf retirement community, you need to be sure that the plans you have in place for saving and investing in your future will provide you with enough retirement savings to cover the costs associated with relocating and other expenses. There are some ways of going about this that are far better than others.

For example, you can click the link on this page to download a free retirement calculator that will enable you to evaluate your current accounts and whether or not you are heading in the right direction to reach your goal of living in an arizona golf retirement community. You will be able to look at savings accounts and projected interest rates and inflation costs to determine how your savings will grow. You will also be able to look at stocks and mutual funds to see how they have performed over time, how things are going now and how your shares in each are projected to perform in the future.

Similarly, you will be able to experiment with the retirement calculator to see how small changes that you make to your savings and investments will affect the income available to you after you retire. More importantly, however, after you have downloaded the free retirement calculator you will receive a call from a financial advisor in your area - someone who can help you to identify the goals that you have in addition to moving to an arizona golf retirement community, and who can work with you to get your savings and investments on track for achieving all of your goals.

If you want to be sure that an arizona golf retirement community is in your future, it's essential to start planning now. By doing so, you can be sure that when the time comes, you're ready - regardless of what else the future may hold.

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.