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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.Meet Your Financial Service Advisor
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A good financial service advisor wants you to succeed based on the things you desire. As much as a great financial advisor will work with you to achieve your goals, that advisor will also listen to the ways in which you want to get there. Whether you want to make investments with minimal risk or you want to challenge the limits and see how far you can go, your financial advisor should be able to listen and offer you advice that will help you achieve your goals. But even before you bring on a consultant, you need to know what you're looking for. You need to make a list of your financial goals. And you need to have some awareness of the types of investments that you want to make. Your financial service advisor should be focused on your financial success. We want you to invest your way. We want you to reach your financial goals. Why? Because we know that the only financial goals that matter to you are your own. Your goals matter to us. We know that the best customers are informed customers. And that's why we at are offering you our retirement calculator, for free. Download it and it's as if you have your own financial service advisor. The financial service advisor retirement calculator will let you see how different financial strategies might work for you. It will let you see how different investments have acted over time. It will let you factor in inflation. But more than all of that, the financial service advisor retirement calculator will let you see how the withdrawals that you make from your savings will affect you in the long term, based on the way withdrawals affected investments made at the beginning of a market downturn. We feel that the best consumer is an informed consumer. Before you have a one-on-one consultation with a financial service advisor, which also is included for free after you have downloaded out retirement calculator software, you owe it to yourself to be as aware as possible of what your investment strategy will be. The reason that we want you to take the time to do your own research is because we know that we will be better able to serve your needs if you know what those needs are. We encourage you to become as informed as possible. But we also want to assure you that our retirement calculator will help you to get informed. That's why we sent it out to top financial analysts, we know that sometimes it's easier to take the advice of someone you've grown to trust. We hope that you will recognize the name Ray Martin. He's the chief financial analyst for CBS News, and he encouraged viewers of the CBS Saturday Early Show to use our retirement calculator to help them structure their retirement planning. So, take Mr. Martin's word for it, as well as ours. By simply clicking on the red button below you will be more informed, more ready to invest in your future. After you've had a chance to use the software and become familiar with us, you'll have a free one-on-one consultation with a financial service advisor. We hope that will be the foundation of a strong relationship that makes all of your financial dreams come true. But we do need you to take the first step. So, don't delay. Click the red button below to get started right away. |
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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 AgeWe 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.
