Cost of Waiting

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Output

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Calculator to show the cost of waiting to start saving to your retirement account. Delay 5 or 10 years and the results are dramatic.

Sample Report(2 pages)

72t/q Early Payout Planner

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Output

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Early Payout Planner shows how to structure a Substantially Equal Payment Plan according to the IRS Revenue Code 72t/q so that your client can make withdrawals from their tax-deferred 401(k) or IRA without being hit with the 10% penalty.

Sample Report(3 pages)

Required Minimum Distributions - Owner Only

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Output

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This tool is designed to determine the Minimum Distributions that are required from your tax deferred retirement account including Traditional IRAs, 401(k) plans, and other tax deferred plans.

Sample Report(2 pages)

Required Minimum Distributions - Owner and Spousal Rollover

Inputs

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Output

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This tool is designed to determine the Minimum Distributions that are required from your tax deferred retirement account including Traditional IRAs, 401(k) plans, and other tax deferred plans.

Sample Report(3 pages)

Stretch Qualified Distributions - Owner, Spouse and Contingent Beneficiaries

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Output

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This calculator is designed to determine the Minimum Distributions that are required from your tax deferred retirement account including Traditional IRAs, 401(k) plans, and other tax deferred plans. These are called "Qualified" accounts according to the IRS. Using the planner below, you can model the Owner taking RMDs until they reach their life expectancy, then a rollover to their Spouse. Finally, when Spouse reaches their life expectancy, the account is split among the contingent beneficiaries and then the RMDs continue using the beneficiary's life expectancy. The overall effect is to "stretch" the required distributions for as long as possible, increasing the total payout from the account.

Sample Report(5 pages)

Stretch Non-Qualified Distributions - Owner, Spouse and Contingent Beneficiaries

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Output

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This is our Non-Qualified Distributions Calculator.

A Variable Annuity is a long-term, tax-deferred investment designed to provide supplemental retirement income. But what if your clients reach retirement and find that they don't need to use the variable annuity for income? They might consider leaving their non-qualified annuity assets to their beneficiaries in the form of a death benefit.

Using the planner below, you can model the Owner taking RMDs until they reach their life expectancy, then a rollover to their Spouse. Finally, when the Spouse reaches their life expectancy, the account is split among the contingent beneficiaries and then the RMDs continue using the beneficiary's life expectancy. The overall effect is to "stretch" the required distributions for as long as possible, increasing the total payout from the account.

Sample Report (11 pages)

Future Value of Retirement Savings

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Output

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This calculator projects the growth of your current retirement savings to estimate how much it may be worth at your retirement age. For a quick estimate, just enter your age, current savings for retirement and assumed investment return. We will then calculate an estimate of your nest egg at retirement. You should be conservative in your estimate of the annual return that you anticipate on your retirement savings. Unreasonably high rates of return many not be sustainable over prolonged periods of time due to various market conditions.

Sample Report (2 pages)

Paycheck Savings Analyzer

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Output

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This calculator shows the value of saving in a tax-deferred plan through the reduction in current taxes.

Participating in a retirement plan may not impact your paycheck as much as you might think. That is because the amount you contribute to the plan is deducted from your wages each pay period before income taxes are calculated.

In other words, if you save on a pre-tax basis, you may increase your take-home pay while saving on current income taxes. By contributing to your retirement plan, you keep more of the money you earn today while saving for your future at the same time. It is a good deal. Complete the Paycheck Analyzer to learn more.

Sample Report (2 pages)

Risk Tolerance Profile

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Output

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The Risk Tolerance questionnaire can be used to assess the investment profile of your Client. Use this general guide to try to discuss with your client their thoughts on investing and their attitude about investment losses.

The investor types on the output page are allocation suggestions based on risk tolerance, age, and the number of years left until retirement. They are designed for retirement planning and assume that the Client has enough other income to meet short-term needs.

Sample Report (2 pages)

Roth IRA Conversion Planner

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Output

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Our Roth IRA Conversion Planner is designed to help you determine the impact of converting some or all of a Traditional IRA to a Roth IRA. This tool was originally designed back in 1998 for The MONY Group and has been kept up-to-date over the years.

In 2010, the limit on adjusted gross income is eliminated so that people of ANY INCOME can do a Roth Conversion. You can also pay the taxes owed on the conversion prorated over two years, as long as you do the conversion before the end of 2010.

Sample Report (5 pages)