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• What They Didn't Tell Ya About Money In High School Part 5
• How to Stop The "N.F.L. Syndrome" From Stealing Your Retirement
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About Retirement Calculator, Inc.

CBS The Early Show

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

• FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
• FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
• FREE Retirement Intelligence Information Services Newsletter
• FREE New Social Security Calculator
• FREE Consultation with a certified financial advisor in your area

Financial Adviser Directory

Getting Listed in a Financial Advisor Directory

One of the most important things that you can do when you start to look at growing your business is to make sure that you are getting the leads that you need. Part of getting the leads that will help you to grow your business as a retirement planner or financial planner is to ensure that you are listed in a financial advisor directory that will make it possible for your best prospects - those who are located in your area who are already looking for the services that you offer - to find you.

Not every financial advisor directory is going to be as beneficial as others, however. Therefore, if you are planning on getting listed in a financial advisor directory, it's a good idea to take a look at those directories that are out there and to weigh the pros and cons of being listed in each of them. After all, while being listed in the wrong directory isn't necessarily going to hurt you and your business, it's assuredly not going to help either.

When you look at a financial advisor directory, therefore, you're going to want to consider the following:

• How much traffic the site gets.
• How prospective clients are going to find the directory - in other words, what's going to ensure that you will be able to get leads from being listed.
• The reputation of those who are running the directory site (if the site is being run by those who have a serious stake in the the online financial industry, you can be sure that the promises made will be kept).
• How the site will work with you or how site visitors will be able to find your listing.

The more that you know about a given directory for financial advisors, therefore, the more that you are going to be able to make those choices that will benefit your business. By making sure that you are working with a service - like the one that you will find at www.finacialadvisor.org - that not only adds your name to a list of financial planners but that also shows your specialty and allows you to add more information about your business, you'll find that you are able to focus on providing the details that your best prospects will need to find you.

You are going to want to make sure too that you are able to define what you do, who your target audience is (who you are trying to reach with your message) and to identify the benefits of the products and services that you offer. The clearer that you can be, the more that you will be able to attract the right new clients to your business.

Getting listed in a financial advisor directory can have a dramatic impact on your ability to grow your business. By making sure that you are focused on sending the right mesage to the right people, you can be sure that you're able to attract your best prospects and, as a result, do more business.

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.