retirement planner

<body lang=EN-US link=blue vlink=purple class="Normal" bgcolor="#FFFFFF"> <p><span style='font-size:9.0pt;font-family:Arial;color:black'>Retirement Planner</span></p> <p><span class=ninetypercent>If you are nearing retirement, the best place to find a planner trained in retirement planning is <a href="http://www.retirement-financial-advisor.com/index.html">http://www.retirement-financial-advisor.com/index.html</a></span></p> <p><span class=ninetypercent>A secure, comfortable retirement is every worker's dream. And now because we're living longer, healthier lives, we can expect to spend more time in retirement than our ancestors did. Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances. </span></p> <p>Your Social Security benefits are the foundation on which you can build a secure retirement. Most financial advisors say you'll need about 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. 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. <a href="http://www.retirement-financial-advisor.com/crfa_locate.php">http://www.retirement-financial-advisor.com/retirement-plan.htm</a></p> <p class=ninetypercent1><b>How the Social Security Retirement Planner can help you now</b></p> <p><span class=ninetypercent>This planner provides detailed information about your Social Security retirement benefits <b>under current law</b> and points out things you may want to consider as you prepare for the future. You can use the calculators to test out different retirement ages or different future earnings amounts. If you are already near retirement age, you'll find instructions on how to apply for benefits and what supporting documents you'll need to furnish. There is also information about how members of your family may qualify for benefits with you. <a href="http://www.retirement-financial-advisor.com/advisor_types.html">http://www.retirement-financial-advisor.com/retirement-investment.htm</a></span></p> <ul type=disc> <li style=' '><span class=ninetypercent>Calculate your retirement benefits using different retirement scenarios. </span></li> <li style=' '><span class=ninetypercent>Find out how certain types of earnings and pensions can affect your retirement benefits. </span></li> <li style=' '><span class=ninetypercent>See if your spouse and children will be eligible for Social Security benefits on your record. </span></li> <li style=' '><span class=ninetypercent>Discover your options if you are close to retirement age.</span> </li> </ul> <h3><span style='font-family:Arial'>Retirement Planning -- Plan Now</span></h3> <p><span style='font-size:10.0pt;font-family:Arial'>Will you be able to live comfortably on your retirement income? Less than half of all American workers have begun to save for retirement and they can expect to live 18 years in retirement. While it is never too soon or too late to save for retirement, many people put it off until about ten years before they expect to retire. At that time they are usually at their peak earning potential and may able to reduce or eliminate mortgage and credit card debt. </span><span class=ninetypercent><a href="http://www.retirement-financial-advisor.com/senior-advisor.htm">http://www.retirement-financial-advisor.com/senior-advisor.htm<span style='font-size:10.0pt;font-family:Arial'></span></a></span></p> <p><span style='font-size:10.0pt;font-family:Arial'>People who do not save for retirement during their employment years may face disappointment in the quality of life during their retirement years. Three common sources of retirement income include: </span></p> <ul type=disc> <li style=' '><span style='font-size:10.0pt; font-family:Arial'>social security benefits </span></li> <li style=' '><span style='font-size:10.0pt; font-family:Arial'>employer-sponsored retirement plans </span></li> <li style=' '><span style='font-size:10.0pt; font-family:Arial'>personal savings and investments </span></li> </ul> <p><span style='font-size:10.0pt;font-family:Arial'>As a general rule, people need 60 to 80 percent of their pre-retirement income to maintain their present standard of living. Social security benefits may provide about 20 to 33 percent of retirement income and company pension plans may provide another 20 percent. Because income from social security and employer-sponsored plans may not meet retirement income needs, it is important for workers to supplement their social security and pension income with personal savings and investments. </span><span class=ninetypercent><a href="http://www.retirement-financial-advisor.com/financial-advisor.htm">http://www.retirement-financial-advisor.com/financial-advisor.htm<span style='font-size:10.0pt;font-family:Arial'></span></a></span></p> <p><span style='font-size:10.0pt;font-family:Arial'>Most people have high expectations for their retirement and are confident they will have saved enough money for it. However, many of them have not yet begun to do so and will wait until it's too late. Financial counselors find a growing number of older Americans, in or nearing retirement, mired in debt and seeking debt counseling with little or no money set aside for retirement.</span></p> <p><span style='font-size:10.0pt;font-family:Arial'>You should begin financial planning for retirement well ahead of the last day you work. In fact, the earlier you begin to plan, the more choices you have and the greater are your chances for a successful retirement. </span></p> <p><span style='font-size:10.0pt;font-family:Arial'>Retirement planning is much like planning a trip. Any plan begins with establishing your destination, or goal, and a timetable for taking each step toward that goal. </span></p> <p><span style='font-size:10.0pt;font-family:Arial'>This website shares with you several steps you should take to planning a successful financial transition into retirement, including: estimating retirement expenses, estimating retirement income, and balancing retirement income with expenses. </span><span class=ninetypercent><a href="http://www.retirement-financial-advisor.com/crfa.html">http://www.retirement-financial-advisor.com/crfa.html</a></span></p> <p><span style='font-size:10.0pt;font-family:Arial'>Retirement is expensive. Experts estimate that you'll need about 70% of your pre-retirement income - lower earners, 90% or more - to maintain your standard of living when you stop working. <em><span style='font-family:Arial'>Understand your financial future.</span></em></span></p> <p><em>You can find much more <strong>information by visiting</strong> <a href="http://retirement-financial-advisor.com">retirement-financial-advisor.com</a>. Please <a href="http://retirement-financial-advisor.com"><strong>click</strong></a> to visit our site. Here is why you should visit us:</em></p> </body> </html>