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Should I enter my gross or net salary? Where can I enter data about my Keogh or SEP-IRA? Can I go back and adjust numbers once I've already entered them? How can I find values that will make my plan work?

Personal Info ?  How should I choose a retirement age? What does this term mean in the context of the planner? ?  Do I get penalized for retiring "early"? What is "early"? ?  How does the Retirement Planner calculate my life expectancy? ?  What are the implications of including or not including my spouse in my plan? Salary ?  How should I estimate the post-retirement income I'll need? ?  Should I enter my gross or net salary? ?  I can't foretell future raises or changes of employment. So how should I estimate my annual salary increase? Economic Assumptions ?  How is average tax calculated? How does it differ from the marginal rate? ?  How does the planner estimate the tax rate for my state? Does it take my tax bracket into account? ?  How does the inflation rate affect my retirement plans? ?  Why does the calculated average tax rate look so different from the tax percentage I'm used to seeing taken out of my paycheck? ?  What effect will retirement have on my tax rates? Assets ?  Should I be contributing to an IRA or to a Roth IRA? ?  Where can I enter data about my Keogh or SEP-IRA? ?  Does the Retirement Planner take into account the limits on tax-deferred plans? ?  How can I link one of my Quicken.com portfolios to a particular retirement savings account in the planner? ?  What if my employer match is a dollar value, or the maximum is a percent? ?  How is Roth IRA money handled differently from other tax-deferred money? Benefits ?  How do I enter data about an annuity? ?  How does the planner estimate my Social Security benefits? ?  What is the Cost-of-Living Adjustment (COLA) and how does it work? ?  How does the Social Security benefit adjust for early benefit withdrawal? ?  How do survivor benefit arrangements work in a pension plan? Risk and Return ?  How are these suggested asset allocations calculated? ?  Can I choose different rates of return for my taxable and tax-deferred investments? ?  How does The Newport Group determine the expected returns? ?  Why would I want different rates of return pre- and post-retirement? Results ?  How is deferred tax handled in the results calculations? ?  What is "required minimum distribution (RMD)" and how is it handled? ?  What can I learn from the different graphs? ?  How can I adjust values without starting my plan over from scratch? ?  How can I find values that will make my plan work? ?  How does the year-by-year table work? ?  How is the year-by-year table laid out? ?  What does it mean to look at graphs in today's dollars vs. future dollars? ?  How does the planner figure out how to withdraw money to fund my retirement? Action Plan ?  Do the Savings and Investment Schedules help me fulfill the plan I outlined, or push me to go a little further? Using the Planner ?  Can I go back and adjust numbers once I've already entered them? ?  Can I jump between screens or do I need to do them all in sequential order? Will the tool remember my data when I move around? ?  How can I protect the privacy of my Retirement Planner data? ?  How can I save or print this information?

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