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Client Access
New Calculators!
Updated in Jan 2018
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Copyright 2018
C. E. Humphrey Associates, Inc.

 

 

 

 


Updated in January 2018!  

These easy-to-use Financial Planning Tools will help you explore various questions that you may have from time to time.  Please take a few minutes to find out what each one can do to help you better understand specific questions that may occur to you.  We have arranged them in general order of importance to the planning process for many clients. To use each tool, click on the highlighted title at the left of the description and begin working with it.

These new calculators allow you to use them everywhere you have a browser. Phones, tablets, touch pads, desktops, laptops, just about everywhere!  The minimum browser requirement for these calculators is IE7.
 

457 Plan: Roth vs. Pre-tax   New!
A 457 plan contribution can be an effective retirement tool. The Roth 457 plan allows you to contribute to your 457 account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than contributing on a pre-tax basis, where deposits are subject to taxes when the money is withdrawn. Use this calculator to help determine the best option for your retirement.

Retirement Planner with Retirement Earnings   New!
Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not over, the maximum.

Penalty Free Withdrawals (PFW)  New!
The Internal Revenue Code section 72(t) and 72(q) can allow for penalty free early withdrawals from retirement accounts under certain circumstances. These sections can allow you to begin receiving money from your retirement accounts before you turn age 59-1/2 generally without the normal 10% premature distribution penalty. Use this calculator to determine your allowable 72(t)/(q) Distribution and how it maybe able to help fund your early retirement. The IRS rules regarding 72(t)/(q) Distributions are complex. Please consult a qualified professional when making decisions about your personal finances. Please note that your financial institution may or may not support all the methods displayed via this calculator.           
   
Impact of PFW   New!
The Internal Revenue Code section 72(t) and 72(q) can allow for penalty free early withdrawals from retirement accounts under certain circumstances. The IRS limits how much can be withdrawn by assuming any future earnings will be at most 120% of the Federal Mid-Term. This conservative approach can help assure that you will not prematurely deplete your retirement account. However, if you have a higher rate of return your account can actually grow, even with your distributions. On the other hand, if you suffer losses your account balance may end up shrinking faster than you might expect. This calculator is designed to examine the affects of 72(t)/(q) distributions on your retirement plan balance. The IRS rules regarding 72(t)/(q) Distributions are complex. Please consult a qualified professional when making decisions about your personal finances. Please note that your financial institution may or may not support all the methods displayed via this calculator.
 
Long Term Care  New!
Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This can include people suffering from a debilitating illness or chronic injury. The need for long term care can arise unexpectedly, often creating a large financial burden. This calculator can help you determine if you are financially prepared for this impending expense.
 
Roth IRA Conversion with Distributions   New!
In 1997, the Roth IRA was introduced. This new IRA allowed for all gains (or growth) to be distributed completely tax-free provided certain requirements are met. Since then, people with incomes under $100,000 have had the option to convert all or a portion of their existing traditional IRAs to Roth IRAs. Starting in 2010, all IRA owners, regardless of income level, will be eligible to convert their traditional IRA to a Roth. Is this a good option for you? A conversion has both advantages and disadvantages that should be carefully considered before you make a decision. This calculator estimates the change in total net-worth, at retirement, if you convert your traditional IRA into a Roth IRA. It also allows you to compare the impact of future Required Minimum Distributions between these accounts for both the owner and their future beneficiaries.
 
Roth IRA Conversion   New!
This calculator estimates the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.
 

Personal Economic Recovery Calculator   New!
Recovering from a devastating investment loss takes both time and very often new contributions. Even a very large investment loss can be recouped if you are able to leave your money invested and begin adding new money. This calculator helps you determine what it might take to regroup, rebuild and re-grow after such an investment loss.
 

Required Minimum Distributions   New!
The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning. Use this calculator to determine your Required Minimum Distributions.
 

Social Security   New!
Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits.

 
Home Budget
   New!
Analyze your budget, see where your money goes and find out where you can improve!
 
Net Worth   New!
This tool helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten  years.
 
Life Insurance Needs   New!
How much life insurance do you really need? Find out here!
 

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from the qualified C. E. Humphrey Associates professionals regarding all personal finance issues.