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RETIREMENT CALCULATORS

Use these calculators to help your clients address a wide range of retirement planning needs. In addition to these tools, you can also take advantage of convenient resources that include educational materials, forms and FAQs - all designed to help you and your clients make informed decisions.

Retirement Calculators

Savings and Income

Estimate monthly savings for retirement taking into account various considerations, including retirement age and income.

Retirement can be the saddest or happiest day of your life. This pre-retirement calculator will help you determine how well you have prepared and what you can do to improve your retirement outlook. It is important that you re-evaluate your preparedness on an ongoing basis. Changes in economic climate, inflation, achievable returns, and in your personal situation will impact your plan.

Your retirement income can vary widely depending on what type of IRA holds your savings and what assumptions you make about return and tax rates during the accumulation and withdrawal periods. Use this calculator to help estimate your monthly and annual income from various IRA types.

Compensation for a self-employed individual (sole proprietor or partner) is that person's earned income. The starting point to determine the individual's earned income is the net profit amount from the Schedule C (or Schedule K-1 for a partnership). Use this calculator to determine your maximum contribution amount for a Simplified Employee Pension Plan (SEP).

Distributions

Explore the options for taking distributions before reaching age 591/2 without incurring a penalty.

The 72(t) Early Distribution Illustration helps you explore your options for taking IRA distributions before you reach 59½ without incurring the IRS 10% early distribution penalty. Internal Revenue Code (IRC) Section 72(t)(2)(A)(iv) defines these distributions as “Substantially Equal Periodic Payments”. The IRS has approved three ways to calculate your distribution amount: annuitization, amortization and required minimum distribution.

You've spent a long time accumulating funds in your retirement account. When you retire and take distribution of your funds you have many options to consider.

Roth IRA is a great way for clients to create tax-free income from their retirement assets. Yet, keep in mind that when you convert your taxable retirement assets into a Roth IRA you will generally pay ordinary income tax on the taxable amount that is converted. 

Current tax law specifies that once you reach age 70 1/2 you must begin making taxable withdrawals from your Traditional IRAs and many other retirement plans. These minimum distributions are calculated annually based on your age, account balance at the end of the previous year, marital status and spouse's age. If you do not meet the annual minimum distribution, you may be subject to a 50% penalty on your underpayment, plus ordinary income tax as the funds are withdrawn.

Legacy Planning

If an IRA is not needed as a primary source of retirement income, a Stretch IRA may be a good strategy.

By naming a beneficiary on your IRA account (typically a younger spouse but could also be a younger, non-spouse beneficiary), you might be able to "stretch" out your IRS-mandated yearly minimum distributions over a longer period of time. This gives you and your beneficiaries more time to take advantage of the tax-deferral status of IRA assets.

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