Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Halpern Financial, Inc. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Halpern Financial, Inc.), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Please remember that past performance may not be indicative of future results. At Halpern Financial, we are happy to help you test different potential scenarios and run retirement projections. Even though we can’t predict these things, it is always good to adjust your plan when needed. Your situation may change, you may spend more or less than you expected, or any number of unpredictable life factors could occur. Revisit your projections every few years with a professional. Your Halpern Financial team can create a strategy incorporating all of these aspects, as well as others more customized to your situation. These strategies have made the difference between retirement uncertainty and retirement security for several clients! They may provide a rough estimate, but they cannot be the only source you use to determine retirement readiness, because they do not take more advanced strategies into account, such as claiming Social Security at an advantageous time, Required Minimum Distribution strategies, or tax-efficient withdrawal strategies.
STEPS OF ANNUITIZED ON FINANCIAL CALCULATORS FOR FREE
Many retirement planning calculators exist for free online, but be aware that they do not tell the whole story.
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However, there are also steps you can take on your own to prepare for your future in retirement. At Halpern Financial, we run the numbers on thousands of potential scenarios with Monte Carlo simulations, and use both quantitative and qualitative analysis to help our clients create individualized plans to maximize their chances of retirement stability. How much guaranteed income you will receive in retirementīecause we don’t know the future, the best we can do is rely on educated estimates of what inflation might be and what returns we can expect from our investment portfolios.
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About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95.