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Answer some important questions to get real clarity on where you stand and your retirement options.

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See what’s possible and what you can do right now and in the future to create your perfect retirement scenario.

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We’ll help you stay focused on your plan so you can enjoy the retirement you always wanted.

Due to its easy-to-understand presentation and wealth of information...

NewRetirement is the American Association of Individual Investor's (AAII) Editor’s Choice for Best of the Web for Retirement Planning.

The NewRetirement Calculator Makes Retirement Planning Easy...

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  • Sophisticated tools – it is like a financial advisor is in your computer
  • Useful charts and detailed analysis of your situation
  • Ability to try out different retirement scenarios
  • Instant answers to your retirement questions

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Most Recent Question and Answer on NewRetirement Answers...

I am about to retire and my wife already has. we want to purchase a home to live in while we age our current home has to many steps. Will it be more tax efficient to take money out of retirement accounts and pay cash or to take out a loan with todays low rates? Which way will cost the least?
Asked by a 61 year old man from Newton, IA on 8/22/2016

Theoretically, the best answer will be the lower of (1) the mortgage interest rate adjusted for the tax deduction or (2) the after-tax return on your investments because any loan is a negative investment. But there are other conditions. You will always need enough savings left after paying cash to meet emergency and replacement needs the rest of your life. For many people that means take the loan. That said, the loan is a burden with heavy penalties if you miss payments because of a health or other costly event. Further, given the choice of paying cash for a home or using the savings to support delaying the start of social security for a few years, the latter will almost always come out the best, again assuming enough is left for emergencies or replacements of cars, roof, etc. without taking out a loan.

Henry Hebeler
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About NewRetirement

NewRetirement is a new approach for retirement planning – comprehensive, easy, personalized and designed for regular people. We started this company because our own parents needed help with retirement planning and there were not any affordable and trustworthy resources.

NewRetirement’s calculator is designed for anyone who is worried about their retirement – especially people nearing the end of their careers who are in their 50s and 60s. We help people figure out how to draw down their savings as well as think through things like Social Security, income streams, Medicare, work and phased retirement and how to manage debt, expenses and out-of-pocket medical costs to live as securely as possible.

The system puts you in charge of how you want to use your resources so that you can make better decisions about your future.