The bottom line: If you get rotten returns early in retirement, you can quickly end up in financial trouble, even if average returns over your retirement are just dandy. What’s the problem with assuming the same return year after year? Check out, which drives home a key concept every retiree needs to grasp: sequence-of-return risk. If you have something akin to a 60% stock–40% bond portfolio, override the default investment returns: For the period both before and during retirement, plug in a 4% annual return and 2% for inflation. Still, it offers a quick look at your retirement readiness. You can quibble that the calculator is overly simplistic and easily abused: It presumes you earn the same return year after year, which is unrealistic, and delusional folks can make everything look rosy by assuming an absurdly high rate of return. You might start with the retirement planner from (named after a neighborhood in Minneapolis). But given all the uncertainty about market returns, take these projections with a grain of salt. If you want a better sense for how much you ought to save every month, by factoring in how far you are from retirement and how much you have already saved, try playing around with one of the many online financial calculators. To hit a 12% savings rate, you only need to sock away 9%, because you’ll get 3% from your employer. Suppose your employer matches your 401(k) contributions at 50 cents on the dollar up to 6% of pay. Similarly, if your employer makes a fixed or matching contribution to its 401(k) or 403(b) plan, you might be able to trim your savings rate. If your employer has some sort of traditional defined benefit pension plan, which will pay you income every month in retirement, you can likely save less. "It is a great calculator, but it isn't popular due to its extremely specialized audience," he said.AS A RULE OF THUMB, you should probably save 12% to 15% of your pretax income toward retirement. His least-used tool determines the gain or loss if you have repossessed personal property from a deferred payment sale. "Online calculators are valuable to our efforts to improve financial literacy among our members and one of the most popular parts of our website and mobile app."Įbert's favorite tool is the retirement planner because it gives one a solid estimate and only requires users to enter in eight numbers. "What our members like about the calculator is that it helps them quickly figure out how much house they can afford, which is essential when you take out a mortgage," said Michael Toner, who manages digital channels for Navy Federal. His most popular calculator is one that automatically generates an estimated amortization schedule for a mortgage. All of his calculators are available for free at and he personally answers user feedback by email. He estimates he builds a new financial tool about every other month for clients. Over the past few years, he has reworked his calculators so they function smoothly on mobile devices. "I like to keep the focus on one thing and do that one thing really well." "I enjoy solving problems and I've always been financially inclined since I was a kid," said Ebert, who declined to disclose how much he makes from. He is married, but preferred not to discuss his personal life. Personal Loans for 670 Credit Score or LowerĮbert, 48, mainly works alone in his home office, though he sometimes hires developers to help with big projects. Personal Loans for 580 Credit Score or Lower Best Debt Consolidation Loans for Bad Credit
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As someone used to having everything online, I have thoroughly enjoyed being able to have personalized and meaningful interactions with our customers both within the Lubbock city limits and all over North Texas. With State Farm’s focus on needs based service, it has felt like a perfect fit for me. I was born in Odessa, Texas and moved to Lubbock when I was about 7 years old and have been here in Hub City ever since. Prior to coming to State Farm I sold life insurance for about a year independently while working from my apartment. I’m still relatively new to the Lubbock area but from my time being her I have seen how close knit this community is and feel honored to be working for an outstanding insurance companies in the nation and one of the friendliest most helpful agencies in Lubbock.Īm a sophomore at Texas Tech and South Plains College, majoring in Business management with hope of furthering my education in the Rawls College of Business. I’m a problem solver by nature always have been and with this job I have found that’s one of my favorite things about this job. Since starting this job in late April it has sparked my interest in learning more and more every day to become the most helpful rep I can be. For the past two years golf has taken over as my new favorite hobby and let me tell you it takes a lot more patience then fishing. In my free time fishing trumped over anything else but since moving to Lubbock I have found there isn’t much of that around here. It is here where I completed Preschool through High school, and I wouldn’t have rather spent my childhood anywhere else. I was born in Austin Texas and grew up in a small town on the outskirts called Dripping Springs. I am a Junior at Texas Tech, majoring in the business field and projected to graduate in 2024. Let us be the ones to give you a confidence and security when is comes to your auto, home, life, and small business insurance in such a rapidly changing world. We hope to stand out as a company willing to go to work for you. My main goal in owning and operating a small, local business in Lubbock is to be sure to continue to hold myself and my staff to a high standard of service. We will listen and provide them with the products they need to overcome the risks of everyday life with as little financial repercussions as possible, and the tools to achieve their current and future financial goals. Our mission here at Moriah Pyle State Farm is to go above and beyond to ensure that each customer is taken care of on an individual basis. My grandmother was an insurance agent in Colorado for 35 years so it has made it even more special to have earned this opportunity. I have been with State Farm for over 6 years and come from a background of small business owners. Though not originally from the Lubbock area, I have lived in west Texas for the last 10 years and have come to consider the Hub City as a real home for me and my growing family. Representative in the agent's office, or by contacting the State Farm toll-free customer serviceĪpril showers brings May flowers! Wishing everyone a wonderful Spring. To make policy changes or request additional coverage, please speak with a licensed Insurance coverage cannot be bound or changed via submission of this online e-mail form or via By continuing, you agree to the terms of the Your consent is not a condition of purchase. You further agree that such contact may be made using anĪutomatic telephone dialing system and/or prerecorded voice (message and data rates may apply). The phone number and/or email address you have provided to State Farm, even if your phone number Or an independent contractor State Farm agent regarding insurance products and services using State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") By filling out the form, you are providing express consent by electronic signature that you mayīe contacted by telephone (via call and/or text messages) and/or email for marketing purposes by |