(516) 228-8444
APS Pension and Financial Inc.
Strategies Executives How Much Do I Need To Retire?



Keep What You Worked So Hard To Accumulate

Retirement Planning Worksheet

(This worksheet will calculate when you press submit )

DO NOT USE COMMAS
in your figures, they are commands in this type of programming.


A. Enter your household's current income. A.
B. Social Security Benefits: B.
. Enter the amount from Table A that matches your age at retirement with your current annual income. This gives you an estimate of the annual retirement you will receive from Social Security. If you are married multiply by 1.5. before entering it.


TABLE A
Current Annual Gross Income
Age At Retirement 0 to 25,000 25,001 to 35,000 35,001 to 45,000 45,001 to 62,500 More Than 62,500
61
0
0
0
0
0
62
5,920
7,680
9,440
10,720
11,520
63
6,413
8,320
10,227
11,613
12,480
64
6,907
8,960
11,013
12,507
13,440
65+
7,400
9,600
11,800
13,400
14,400


. D. Enter the factor in Table B most closely
matching your retirement age.		 D.


TABLE B
Age At Retirement
Factor
50
18.02
55
16.04
60
14.00
62
13.17
65
11.91
70
9.90


. F. Enter you total current savings balance for retirement.
G. Enter the factor in Table C most closely
matching the current rate of return on your
savings and the number of years to retirement.		 F.
G.


TABLE C
Rate of Return
Years Until Retirement
6.00%
7.00%
8.00%
9.00%
10.00%
5
1.34
1.40
1.47
1.54
1.61
10
1.79
1.97
2.16
2.37
2.59
15
2.40
2.76
3.17
3.64
4.18
20
3.21
3.87
4.66
5.60
6.73
25
4.29
5.43
6.85
8.62
10.83
30
5.74
7.61
10.06
13.27
17.45
35
7.69
10.68
14.79
20.41
28.10
40
10.29
14.97
21.72
31.41
45.26


. K. Enter the description that best represents your risk
tolerance from Table "D" below, e.g. Moderate		 K.
. L. Enter the factor from Table "D" that matches your description
with the number of years until retirement.		 L.


TABLE D
Risk Tolerance Portfolios
Years
Conservative
Moderately
Conservative
Moderate
Moderately
Aggressive
Aggressive
5
0.1884
0.1846
0.1810
0.1774
0.1739
10
0.0872
0.0833
0.0795
0.0759
0.0724
15
0.0538
0.0499
0.0463
0.0430
0.0398
20
0.0372
0.0336
0.0302
0.0272
0.0244
25
0.0274
0.0240
0.0210
0.0182
0.0158
30
0.0210
0.0178
0.0151
0.0126
0.0106
35
0.0165
0.0136
0.0111
0.0090
0.0072
40
0.0133
0.0105
0.0083
0.0065
0.0050





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APS Pension and Financial Services, Inc.
333 Earle Ovington Blvd. Suite 1005 Uniondale, New York 11553-3654
Phone: (516) 228-8444 Fax: (516) 228-8457
E-mail: aps@apspension.com




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