The Complete Retirement Planner Blog

Why Should You Pay For A Retirement Planning Tool?

If you've ever tried to create a financial plan for retirement, you already know how complex it is to try to account for decades of personal financial variables, taxes, potential pitfalls, life changes, predicting the future, etc. Unless you're a whiz at building financial planning tools, it will likely end up being an exercise in frustration. To figure it all out correctly, most people need a little help in the form of a comprehensive planning tool. If you can find one. There are hundreds of free retirement calculators available across the internet, mostly found on financial sites. Most will ask...

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Just How Costly Is A Little "Bad" Debt?

While being "in debt" often has negative implications, not all debt is construed as being harmful to your financial situation. Different types of debt are often referred to as, "good" debt, or "bad" debt. Having a mortgage (that you can really afford) is considered to be "good" debt because it can be beneficial in the long run. A mortgage pays for an asset that is expected to gain in value, you are paying a relatively low interest rate, it can provide certain tax deductions, and it is an expense that you would have anyway (at least in part) even if...

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5 Retirement Planning Topics That Need Clarification

There seems to be a never ending supply of articles offering advice about retirement planning. Some offer well thought out points, some offer generic assumptions, some offer half-truths, and some don't seem to have much to offer at all. The five topics listed below address some areas that might benefit from a little extra clarification.• The Assumption That You'll Need To Replace 75% Of Your Salary In Retirement. Many articles suggest that you should plan on replacing 70% - 80% of your salary in retirement, so I split the difference. In very general terms, with a salary of $75,000 per...

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When Should You Start Planning For Retirement?

Any professional financial adviser will tell you what you've already heard elsewhere a thousand times - start saving as early on in your career as possible. Save as much as you can, invest it wisely, and do both consistently. This is, of course, to help you to be financially responsible, and to develop financial security for the future. While this is great advice, it is missing an essential piece. Along with saving and investing, you need to create a financial retirement plan to compliment those efforts. After all, part of what you're saving for is retirement! A retirement plan is...

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