41. Valentine Capital Retirement Planning Group Specializes In Asset Management, Ret Offers portfolio and asset management and retirement planning services. http://www.vcrpg.com/

Why VCRPG Portfolio Strategy Private Portfolio Management High Net Worth Tax Strategies ... Legal Reasons to become a member of the Valentine Capital Family: Licensed Financial Advisors and portfolio managers, not transaction-driven brokers Independent investment advice—we do not offer or distribute "in-house" products to the public Asset allocation model driven by current economic indicators Wealth management strategies designed specifically for the high net-worth individual Expert command of tax rules and IRS regulations-We help you avoid penalties and taxes on your rollover Highly qualified in-house staff Comprehensive qualified to non-qualified ratio analysis Educational seminars exclusively for our clients, regarding current economic, investment and tax issues Regular monthly newsletters full of pertinent information Retirement Planning - Investment Advisor - Wealth Management - Portfolio Management Asset Management - Money Management - Investment Broker - High Net-Worth Valentine Capital RPG is a Registered Investment Advisor licensed in the State of California. John Valentine is securities licensed in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IA, IL, IN, KY, LA, MD, MN, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TX, UT, VA, WA, WV and WY.

42. Retirement [Fool.com: Retirement Center] Five Retirement MustKnows. Everything you need to know about retirement planningon a single web page. Where to Invest Your Money. IRAs, 401(k)s, Pensions, http://www.fool.com/retirement.htm

@import "http://www.fool.com/includes/css/centers/centertabs.css"; @import "http://www.fool.com/includes/css/centers/retirement.css"; Home Money Advisor Discussion Boards My Portfolio ... SPEND SMARTER Search: Quotes: Today's Headlines Blue Chip Report New! Champion Funds ... Avoid Pitfalls Latest Article Golden Years, Golden Wealth [Fri Sep 23] Don't just eke out a living in retirement. Start a dynasty. Five Retirement Must-Knows Everything you need to know about retirement planning on a single web page. Where to Invest Your Money IRAs, 401(k)s, Pensions, Annuities and Uncle Sam. Preserve Your Nest Egg What will life after 9-to-5 really cost? Planning Your Estate Ready? Set! Quit! Now What? Avoid These Pitfalls Common missteps that can kill your plan. Latest Retirement Headlines Timely retirement-related articles from The Motley Fool's best analysts. Golden Years, Golden Wealth Don't Let Bad Math Ruin Your Retirement How to Select a Financial Advisor How to Rule Your Retirement ... Who's Responsible? Not You? Then Who? @import "http://g.fool.com/art/ads/newsletters/hlp/roscss/botsfr.css"; Please deliver my report to: Privacy/Legal Information document.write(ibHtml1);

43. Wachovia Planning Guides Educational material on retirement planning, financial issues for women, college planning, home buying and relocation planning, investing basics, money management basics, and tax planning. http://www.wachovia.com/personal/page/0,,505,00.html

Home Customer Service Contact Us Locations ... Personal Finance Planning Guides Online Services Center Banking Center Investing Center Retirement Center ... Insurance Center Planning Guides Customer Service P LANNING G UIDES Tax Planning Make filing your taxes easier with up-to-date information, tips, and strategies. Tax Law Changes Preparation and Filing Deductions and Credits Tax Strategies ... Retirement Planning Create a retirement strategy to fit your needs and lifestyle no matter what stage you're at in your career or retirement. Begin Planning for Retirement Evaluate Your Retirement Plan Changing Jobs Already Retired ... Financial Issues for Women Discover the information and financial factors that matter most to women. Money Management Smart Investing Life Transitions Book Reviews ... College Planning Learn the best way to save and pay for an education whether you're a parent or a student. Preparing and Saving for College Paying for College Planning After College Home Buying and Relocation Planning Prepare yourself for the home buying and selling process and make your move a little easier. Selling a Home Buying a Home Financing a Home Moving into a Home ... Investing Basics Gain a fundamental understanding of investing and develop strategies to meet your future goals.

44. Fool.com: How To Retire In Style [Retirement] retirement planning How to Retire in Style. Questions about your plan?Talk with Fools on the Retirement discussion board. Next Shall We Quit? http://www.fool.com/retirement/retirement.htm?source=PFinAg

45. Home Page Form logo RETIREMENT What do you want to do? Where do you want to go? Will the moneybe there when you need it? retirement planning. •, Risk Management http://www.aigvalic.com/valic2000/valicweb.nsf

46. Adirondack Family Business Consultants, Inc. Offers business and family planning, estate and retirement planning, management and succession planning. http://www.adkfamilybusiness.com/

You’re on a mission: either you want to overcome a challenge that is getting in the way of growing/sustaining your business, or you want to seek innovative new opportunities for the same reason. But the dynamics of being a family held firm bring a layer of complexity to the game that most consultant firms just don’t understand or aren’t really qualified work with. We do understand, and we are qualified. If you choose to work with us, Adirondack Family Business Consultants will be your panel of advisors. Coaches with a broad base of experience in servicing the unique needs of a family business. Our partners work for you as a seamless team with advanced experience in Finance Law Human Resources Family Therapy Executive Development Tax and Estate Planning Strategic Planning Team Building New Product Development Innovation We’ve grown family businesses. We’ve worked with our parents, kids and in-laws. We’ve worked in large non-family owned fortune 500 firms, in every sector of the economy. We’ve tasted failure, we’ve achieved success and we’ve learned. From these experiences, we’ve developed successful coaching, consulting, and facilitation practices. And each of us has a deep moral commitment to the success and health of families. Both emotional and financial success. We know that family held businesses can impede or enhance both. When healthy, well designed and wisely executed, family firms can succeed in bringing good things to the lives of their employees and customers at a level other businesses cannot even conceive.

47. AIG VALIC: Education & Planning > Retirement Planning 4 Steps to retirement planning Making a wish list of what you want to do during The world of investing and retirement planning can be a confusing one. http://www.aigvalic.com/valic2003/aigvalic.nsf/contents/edu_retire

Calculators Site Map Contact Us Disclosures ... Home Search: Cash Management Education Planning Investment Strategies Investment Types ... Women's Retirement Planning Needs Retirement Planning 3 Sources of Retirement Income 4 Steps to Retirement Planning Making a wish list of what you want to do during retirement may be the very start to your retirement planning. Developing a realistic plan so that ... 12 Tips to Help Attain Your Dreams In 1940, the average life expectancy was about 13 additional years for a male who retired at age 65, according to the Social Security Administration. By 1990, that life expectancy increased to about 15 additional years and... Annual Reviews Asset Allocation Do you know how to invest? Where do you find the information and historical data you need to make informed decisions? Is it possible to... Distributions Distributions are payments received from your employer's pension plan or a Tax-Deferred Annuity (TDA) contract. Generally, a distribution is not... Frequently Asked Questions The world of investing and retirement planning can be a confusing one. On your path to becoming a knowledgeable investor, stop and... Plan Objectives So, you've finished all the steps you're "supposed" to take when planning for your retirement. Just complete the forms, check a few boxes, and you're done. That's all there is, right?

48. Personal Finance - Ric Edelman How to Withdraw Money from Your Company Retirement Plan Without Paying the 10%Penalty retirement planning is a critical issue for many women. http://www.ricedelman.com/planning/retirement/default.asp

Articles on: Financial Basics Insurance? Single - On Your Own Kids and Cash ... Do You Know Who Your Beneficiaries Are? By selecting the right beneficiary, or combination of beneficiaries, you can greatly extend the potential value of your assets, reduce the amount paid in taxes, and materially improve your heirs’ lives, all while helping insure peace within the family. How to Withdraw Money from Your Company Retirement Plan Without Paying the 10% Penalty Not everyone is subject to a 10% early withdrawal penalty. The IRS has 10 exceptions to that rule. Memo to Congress: Make This Change to 401(k) Accounts NOW! This change to 401(k), 403(b), 457 plans and IRAs would most likely benefit workers more than any other proposal – but no one is talking about it. New 401(k) Investment Choice Causes Common Mistake by Workers If you’ve opted for this investment choice in your 401(k), you may be making a big mistake. I’m talking about something called a lifestyle fund. Here’s the deal...

49. Allstate.com - Retirement Planning Helps You Turn Your Dreams Into Reality If you are putting off retirement planning, Allstate.com can help you get startedtoday. Planning early can make the difference between the retirement of http://www.allstate.com/Finance/RetirementPlanning/pagerender.asp?page=main.htm

50. Accounting, Retirement Planning, Tax Services, South Florida Accountant - Allen CPA firm offering tax services, retirement planning, economic planning and forecasting. Ft. Lauderdale, Florida. http://www.allenkatz.com/

Allen H. Katz, P.A. is a South Florida accountant offering a variety of accounting services which include business planning, retirement planning payroll services , income tax, economic planning international investors , incorporation services, as well as corporate and business tax services . From tax preparation and filing to consulting, Allen Katz is the accountant you want on your team! Tax Services Retirement Planning Economic Planning and Forecasting International Investors Referrals Tax Services Retirement Planning ... Related Links Allen H. Katz P.A. 2800 E. Commercial Blvd. Suite 208 Ft. Lauderdale, FL 33308 Fax: (954) 493-5042 Email us at akatzpa@bellsouth.net

51. Group Health And Welfare Consulting, Retirement Plan / Client Services - Chernof Benefit advisor consultants specializing in employee benefits, retirement planning, group health insurance, pension planning, life insurance, tax and estate planning. http://www.chernoffdiamond.com/

Sunday, September 25, 2005 Ralph Sepe Named To Long Island Business News 40 Under 40 Class of 2005 Chernoff Diamond Announces Employee Appointments 2004 Chernoff Diamond Charity Classic Chernoff Diamond Listed On Crain's New York Business List ... Kevin Quinn Appointed to CDD Board A BENEFITS ADVISORY FIRM - Serving the interests of clients and professional advisors by providing sound advice and comprehensive services. Cherno ff Diamond's areas of concentration include: Group Health and Welfare Consulting Retirement Plan Services Private Client Services At Chernoff Diamond we constantly strive to be innovative while keeping in mind that the programs we design must address the meaningful issues and be understandable and manageable if they are to be truly effective. We welcome your inquiries and look forward to providing the insight, expertise and service that has earned the respect and loyalty of our clients. Securities offered through Mutual Service Corporation Member NASD/SIPC Information relating to securities is intended for use by individuals in AK,CA,CT,DC,DE,FL,IL,MD,NC,NJ,NY,PA,RI, and VT only.

52. Vancouver Pacific Financial Group - Retirement, Estate, And Insurance Services Specializing in estate and retirement planning, and insurance strategies development. http://www.vpfg.net/

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53. Interactive Tax, Capital Needs And Investment Planning Interactive personal financial planning tool covering (1) Tax Planning, (2) Families/Individuals CapitalNeeds Analysis, (3) Investment Planning Analysis, and (4) retirement planning Analysis. Most content requires a paid subscription. http://www.fredbien.com/

Current Subscriber - enter your password: We would love to hear from you! Total Financial Planning Needs These interactive Personal Financial Planning pages are designed to help you meet your personal needs. Even though you are entering personal finances, the personal dollar information is "resident only" to your machine. Furthermore you do not have to enter names if that is your preference. The four major subsections to your interactive personal financial plan are (1) Tax Planning, Families/Individuals Capital-Needs Analysis, Investment Planning Analysis , and (4) Retirement Planning Analysis . Click the blue text above, or from the menus on the left or bottom to view the component pages of the major areas. The Tax Planning templates will prompt you for input to construct individual income tax and/or estate tax consequences. It will also provide strategies and tips for lowering or deferring the taxes. The Capital-Needs Analysis will develop the financial base required to sustain a family after death or disability. In addition, it will help you prepare an Annual Family Operating Budget, Future Funds Required for Children's Education, and How to Fund a Future Financial Target. The Investment Planning Analysis will prompt to develop your Net Worth today and the projection in five and ten years. In addition, a format is provided for assessing your stock and bond portfolios.

54. Kiplinger: Business Forecasts And Personal Finance Advice retirement planning The Kiplinger Letter KiplingerForecasts The KiplingerTax Letter The Kiplinger Agriculture Letter http://www.kiplinger.com/

TCDA("cc=pfz; dt"); Employment Reader Panel All contents © 2005 The Kiplinger Washington Editors, Inc. ADVERTISEMENT

55. Retirement Planning: General Information Human Resources Development Canada Web Site. Links to information about Retirementplanning General Information. http://www.sdc.gc.ca/en/gateways/topics/rzp-gxr.shtml

@import url("/styles/sdc-dsc-percent.css"); Contact Us Help Search Canada Site ... Home Retirement planning: General Information General Information Frequently Asked Questions Related Links Legislation and Agreements ... E-Services Services for: Individuals Business Organizations Services Where You Live ... Canada's Retirement Income System Information specific to : Canada Links to pages containing information on Canada's Retirement Income System and Canada's public pensions. Status of Canada's Social Security Agreements Information specific to : Canada A list of social security agreements that are presently in force or being negotiated. Sorted alphabetically by country. Canada Pension Plan (CPP) - Statement of Contributions Online Request Information specific to : Canada Details about this service that allows you to request a copy of your official CPP Statement of Contributions once in any 12-month period. International Benefits Information specific to : Canada Details on social security agreements Canada has signed with other countries, benefits available under these agreements, other countries' social security programs and statistics on Canadian benefits. Canada's Retirement Income System - Table of Contents Information specific to : Canada The Table of Contents for this booklet that contains descriptions of the various parts of Canada's Retirement Income System including Old Age Security, Canada Pension Plan and private pension plans. Published March 2001.

56. Rarestone Financial Series Inc. - Financial And Retirement Planning Education Fo Provides financial and retirement planning program materials. Offers downloads for educational documents, presentation materials, speaking engagement notes and licensee resources. http://www.personalfinanceseries.com/

Buying Time by Daryl Diamond Order The Structure of Retirement Income by Daryl Diamond Income Protection Seminar Series Personal Financial Planning Education Employer Sponsored Financial Education Financial Planners Rarestone Financial Series Inc. 111 Pulford Street Winnipeg, Manitoba R3L 1X8 Phone 204-947-5766 Fax 204-949-4724 Toll Free 866-947-5766 E-mail

57. Robert F. Hockensmith, P.C., CPA, CFP - Phoenix, Arizona, Tax, Accounting, Payro CPA offering tax help, financial and estate planning, accounting, recordkeeping, business consulting, audits, college and retirement planning in Phoenix. http://www.taxquest.com

Robert F. Hockensmith, P.C. Certified Public Accountant Certified Financial Planner™ Certified Legal Document Preparer 3233 W. Peoria Avenue Suite 202 Phoenix, Arizona 85029 Fax 602.863.3936 E-mail: robert@taxquest.com Current Clients Tax Organizers Current Financial Services Clients We are accepting new clients, and referrals are always appreciated. Find our office "Work like you don't need the money, Love like you have never been hurt, Dance like no one is watching." Please bookmark this site and visit often. Thank you! Watch Bob every Sunday on Channel 12, NBC, in Phoenix 8:00-10:00 AM (Morning News) Tax Tip of the Week Newsletter of the Month ... of the Week Please contact us if you would like a written opinion, or would like us to contact you for any reason. You can call us directly or click here to send an e-mail . Please include your name, address, and phone number. Robert F. Hockensmith,CPA,Certified Public Accountant,CFP™,Certified Financial Planner™,Phoenix,AZ Individual Services Wealth Accumulation Business Services Payroll Services ... Login to Web e-Mail Number of visitors: Search The Web:

58. FPA Journal - Reality Retirement Planning: A New Paradigm For An Old Science Reality retirement planning A New Paradigm for an Old Science BR by Ty Bernicke. http://www.fpanet.org/journal/articles/2005_Issues/jfp0605-art7.cfm

.cpHideForMenus You are here: FPA Net FPA Journal 2005 Issues 2005 June Issue - Article 7 Printer friendly view Login Search Homepage ... Permission to Reprint Contributions Reality Retirement Planning: A New Paradigm for an Old Science Executive Summary Traditional retirement planning assumes that a household's expenditures will increase a certain amount each year throughout retirement. Yet data from the U.S. Bureau of Labor's Consumer Expenditure Survey show that household expenditures actually decline as retirees age. Consequently, under traditional retirement planning, consumers tend to oversave for retirement, underspend in their early years of retirement, or postpone retirement. "Reality" retirement planning assumes that a household's real spending will decrease incrementally throughout retirement. The result is that clients can make more realistic retirement saving assumptions and will be able to retire sooner. The paper analyzes the Consumer Expenditure Survey data to determine whether people are spending less voluntarily as they age or out of financial necessity or generational differences. The conclusion is that reduced spending is voluntary. Using Monte Carlo simulation, the paper runs hypothetical retirement income projections comparing traditional retirement planning and reality retirement planning. Under the traditional approach, the couple's nest egg would appear to be depleted by age 80. Under the reality approach, the nest egg at age 80 would be over $2 million.

59. TBA Software Offers software for the 403(b), 401(k), and other retirement planning markets. http://www.softcom.org/

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60. Understanding And Controlling Your Finances: Retirement Planning retirement planning is the honest attempt to figure out how much money you need The goal of retirement planning is to determine how big the nest egg http://www.bygpub.com/finance/finance7.htm

Understanding and Controlling Your Finances Retirement Planning by Marshall Brain This article is one of a series of financial articles and calculators entitled "Understanding and Controlling Your Finances". The Table of Contents contains a complete list of all of the articles in the series. "Retirement Planning" is the honest attempt to figure out how much money you need to save each month in order to have a comfortable retirement. The reason I say "honest attempt" is because retirement planning requires you to predict the future, and we all know that is impossible. For example, what sort of return will your money get over the next 20 or 30 or 40 years? What will happen with inflation? Will Social Security still exist when you retire, and if so how much money will you get from it? It is impossible to predict any of these things with total certainty. However, it is possible to look at the past and make some educated guesses. That is the goal of retirement planning. You make a basic and fundamental assumption that the world will work something like it has in the past. Then you factor in your own optimism or pessimism about the future to correct for the changes you foresee. Saving for retirement involves a long-term effort to accumulate a nest egg big enough to support you during your years in retirement. The goal of retirement planning is to determine how big the nest egg needs to be to support you comfortably. The following graph shows how you how a nest egg might be accumulated prior to retirement and then depleted during retirement:

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