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Retirement Planning & Investment Group



  • Should I refinance my auto loan at a lower rate?
  • What would my auto payments be?
  • Should I upgrade to a more fuel efficient vehicle?
  • Auto purchase – Loan versus 0% dealer financing?
  • How much vehicle can I afford?
  • Should I lease or purchase an auto?

Cash Flow

  • What is my projected net worth?
  • What is my projected cash flow?
  • Historical inflation – Compare purchasing power
  • How does inflation impact my standard of living?
  • How much am I spending?
  • How much do I need for emergencies?
  • Should I pay down debt or invest my monthly surplus?
  • What is my current net worth?
  • How long will my money last with systematic withdrawals?
  • What is the value of reducing, postponing or foregoing expenses?
  • What is my current cash flow?


  • Will I be able to pay back my student loans?
  • When should I begin saving for my child’s college?
  • How much should I be saving for college?
  • What are the advantages of a 529 college savings plan?
  • What are the advantages of a Coverdell ESA?
  • What are the payments on a parental (PLUS) loan?


  • Do I have too much debt?
  • How long until my loan is paid off?
  • How long will it take to pay off my credit card(s)?
  • Restructuring debts for accelerated payoff
  • Should I consolidate my personal debt into a new loan?
  • Should I pay off debt or invest?
  • What is the balance on my loan?
  • What is the impact of making extra payments on my debt?
  • What would my loan payments be?
  • Which is better: Cash up front or payments over time?


  • Add, Subtract, Multiply, Divide
  • What is my credit score?

Home and Mortgage

  • Comparing mortgage terms (i.e. 15, 20, 30 year)
  • How much can I borrow from my home equity (HELOC)?
  • How much home can I afford?
  • Mortgage calculator
  • Should I refinance my mortgage?
  • Should I rent or buy a home?
  • Adjustable rate mortgage calculator
  • Compare a ‘no-cost’ vs. traditional mortgage
  • How do closing costs impact the interest rate?
  • Should I convert to a bi-weekly payment schedule?
  • Should I pay discount points for a lower interest rate?
  • What are the tax savings generated by my mortgage?
  • Which is better, fixed or adjustable-rate mortgage?


  • How much life insurance do I need?
  • What are the tax advantages of an annuity?
  • What is my life expectancy?
  • How long will my current life insurance proceeds last?
  • How much disability income insurance do I need?
  • How much will I earn in my lifetime?
  • What are my needs for burial and final expenses?
  • What are the chances of becoming disabled?
  • Which is better, comprehensive plan or high-deductible plan with HSA?


  • Compare taxable vs. tax-free investment return
  • How should I allocate my assets?
  • Taxable vs. tax-advantaged savings?
  • What is my risk tolerance?
  • What is the long-term impact of increased investment return?
  • What is the return on my real estate investment?
  • What is the value of compound interest?

Paycheck and Benefits

  • What is the impact of increasing my 401(k) contribution?
  • What may my 403(b) Plan be worth?
  • What may my 401(k) be worth?
  • What is the impact of increasing my 403(b) contribution?
  • What is the impact of increasing my 457 Plan contribution?
  • What may my 457 Plan be worth?

Qualified Plans

  • How much can I contribute to an IRA?
  • I’m self-employed, how much can I contribute to a retirement plan?
  • Net unrealized appreciation (NUA) vs. IRA rollover?
  • Should I convert to a Roth IRA?
  • What are my Stretch IRA distributions?
  • What is my current year required minimum distribution?
  • What is my projected required minimum distributions?
  • What will my qualified plan(s) be worth at retirement?
  • Evaluate my company pension payout options
  • How much retirement income may my IRA provide?
  • What are my lump sum distribution options?
  • What is the impact of early withdrawal from my 401(k)?


  • Compare a Roth 401(k) to a Traditional 401(K)
  • Social security retirement income estimator
  • When should I begin saving for retirement?
  • How does inflation impact my retirement income needs?
  • How much retirement income may my 401(k) provide?
  • How much will I need to save for retirement?
  • I’m retired, how long will my savings last?


  • How do taxes and inflation impact my investment return?
  • How much should I save to reach my goal?
  • Income generated by a savings plan
  • Save now vs. save later
  • What could my current savings grow to?


  • Federal income tax estimator
  • Capital gains (losses) tax estimator
  • Compare taxable, tax-deferred, and tax-free investment growth
  • How much of my social security benefit may be taxed?
  • Should I itemize or take the standard deduction?
  • What are the tax implications of paying interest?
  • What is my potential estate tax liability?
  • What is my tax-equivalent yield?
  • Will my investment interest be deductible?