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Retirement Planning And Retirement Calculators 

Are You A Homeowner Seeking Help With Retirement Planning? 

The idea of planning for retirement may seem intimidating. After all, you’re planning how to spend the rest of your life post-retirement. The good news is you don’t have to figure out all the details of retirement planning on your own. I’m Dr. Penelope Tzougros and I’m eager to help soon-to-be retirees like yourself as they plan their retirement years. 

Homeowners, What Will You Do With Your Home? 

As you plan for retirement, there are many important factors to consider. For example, if you’re a homeowner you may want to start thinking about if you will continue to live at home during your retirement. It could be that your home isn’t the asset you think it will be during your retirement. As your retirement planner, I’m prepared to help you figure out details such as this. 

Should I Trust Retirement Calculators? 

Many soon-to-be retirees looking for retirement advice on the internet have stumbled across retirement calculators. At first glance, a retirement calculator might seem like a quick and easy way to answer some questions you have about retirement. However, I urge you to consider if you should really trust what a retirement calculator tells you. In “Retirement Calculators – Traps Or Truth Tellers?” I explain more about retirement planning and retirement calculators. 

Seek More Retirement Planning Answers Today 

Don’t wait to get the answers you need about retirement planning. Seek the help of a professional retirement planner today. 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Do Homeowners Really Need Retirement Calculators? 

Dr. Penelope Tzougros Helps Homeowners With Retirement Planning 

Homeowners, there are many factors you have to consider when you begin to plan for retirement. In fact, it is not uncommon to feel overwhelmed while planning out your retirement. As your retirement planner, I seek to make sure you have all the information you need to effectively plan your retirement. I’m Dr. Penelope Tzougros and I could be your professional retirement planner. 

Do You Need A Retirement Calculator? 

Once you begin to plan for your retirement, you may be tempted to seek out quick and easy answers from a retirement calculator. However, the truth is the retirement calculator may not be as useful as you think they are. In “Retirement Calculators – Traps Or Truth Tellers?” I explain why retirement calculators may not actually help homeowners who are seriously planning for retirement. 

Need Just A Ballpark Estimate Of How Much Money You’ll Need? 

Of course, if you want a simple ballpark estimate of how much money you should expect to need during your retirement years, you can try the simple calculation method I made – Penelope’s Rule of 20. 

Seek More In-Depth Answers Through Professional Retirement Planning Services 

It is most important to remember that no quick method can replace actual professional retirement planning services. As a professional retirement planner, I seek to help homeowners like yourself be truly prepared for the reality of retirement. Allow me to help you develop a comprehensive retirement plan soon!  

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Retirement Calculator For Homeowners 

Homeowners, Are You Planning For Retirement? 

If you’re considering planning for retirement soon, remember that you don’t have to figure out retirement plans all on your own. Homeowners may find that retirement planning is more complicated than they expected. After all, you need to figure out how much you should save for retirement, where you should live during retirement, and much more. Don’t worry, though – I can help you figure out all of these things and more. I’m Dr. Penelope Tzougros, a professional retirement planner. Let me help you figure out your retirement questions! 

Are You A Homeowner Looking For A Retirement Calculator? 

Once you’ve decided to begin planning your retirement, you may find yourself wanting a quick and easy way to get started. Any quick search on the internet is sure to provide you with a lot of information – and that information may feel overwhelming. You may see one of the many retirement calculators and be intrigued by how easy it seems to use one. However, you may in fact find that retirement calculators aren’t as useful as you think. 

If you want to learn more about how retirement calculators may not be the solution you’re looking for, I encourage you to read “Retirement Calculators – Traps Or Truth Tellers?” 

Seek Professional Guidance As You Plan For Retirement 

Rather than relying on a supposedly “quick and easy” method to plan for your retirement, I encourage homeowners to seek professional help for retirement planning. No retirement calculator can act as a replacement for a thorough and comprehensive retirement plan. Call to learn more soon! 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Will You Stay In Your “Home Sweet Home” During Retirement? 

Is Your “Home Sweet Home” Where You Should Live During Retirement? 

As you prepare for retirement, perhaps you find it hard to imagine living anywhere but your “home sweet home.” After all, your home is full of wonderful memories – birthdays, anniversaries, holidays, and much more. Your home is familiar and comforting. You don’t want to leave that comfort behind. 

However, perhaps your home has some not-so-sweet memories too. You may remember feeling overwhelmed by bills. Perhaps the sudden need for roof repair or replacing a furnace left you strapped for finances. After all, for all the comfort a home might bring, it can also become a money pit – a financial burden. You need to spend money to upkeep your home, and that upkeep never seems to end. 

Where Should You Live During Retirement? 

Hi, I’m Dr. Penelope Tzougros. In my position as a financial consultant, I’ve helped many soon-to-be retirees understand what their options for retirement planning are. Now, I can help you too. If you’re feeling stuck as you consider where you should live during retirement, I encourage you to read Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement. I wrote this book to help retirees make a decision about where to live during retirement that is based on facts, not just on feelings. 

Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement can help you understand if your home is your best asset or if you should consider your other options for where to live during retirement. Allow Your Home Sweet Home to help you make your Stay-Move Decision! 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Your “Home Sweet Home” And Retirement 

Is Your “Home Sweet Home” The Best Place To Live During Retirement? 

You’ve begun to prepare for retirement, and it’s time to consider where you should live during your retirement years. Perhaps you think that this isn’t a question you need to even consider. You can’t imagine leaving your “home sweet home.” Besides, isn’t your home a good asset to take into retirement? 

Hi, I’m Dr. Penelope Tzougros, and I’m here to help you as your prepare for your retirement. I’ve offered many soon-to-be retirees professional financial advice as they prepare for their retirement. Now, I’m here to help you too. It may be a good decision for you personally to stay in your home during retirement. It may be that your home is the asset you think it is. However, if your thoughts about staying home during retirement are more based on your feelings than on facts, then you might be blinding yourself to other options. 

Your “Home Sweet Home” May Not Be As Sweet As You Think 

While it is possible that your home can be an asset during retirement, it can also become a money pit – a financial burden. I’m here to help you figure out which it is with my book Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement. 

See If Your Home Passes The Test 

What if there were a test you could give your home to see if it is the best place to live during retirement? In Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement, I cover multiple tests you can give your home to help you decide if it’s best to stay there – and much more! Learn more about retirement and your home when you read Your Home Sweet Home. 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Can I Rely On Retirement Calculators? 

replica home with calculator

How Do I Begin Planning For Retirement? 

If you have recently begun to plan for your retirement, you may find that retirement planning is a more complicated process than you thought. After all, there are many questions you have to answer before you can retire. Common retirement planning questions include where you should live during retirement, how much money you’ll need during retirement, etc. Luckily, you don’t have to figure out the answers to these questions on your own. I’m Dr. Penelope Tzougros and I am here to help you as your retirement planner. 

Can I Rely On Retirement Calculators To Help Me Plan My Retirement? 

Anyone who has done any level of retirement research on the internet has likely seen a few different retirement planning calculators. Can you really rely on retirement calculators, though? Will they give you the information you need to plan the retirement you desire? 

Retirement Calculators Can Be Risky 

As your retirement planner, I’d like you to have all the information you need to plan your retirement the right way. I want to help soon-to-be retirees such as yourself make retirement decisions that are based on facts. In “Retirement Calculators – Traps Or Truth Tellers?” I explain exactly why retirement calculators can be risky. 

Try Penelope’s Rule Of 20 

Of course, if you just want a quick ballpark of the amount of money you’ll need during retirement, you could try Penelope’s Rule of 20. However, as I explain in this article, no retirement calculator or quick and easy way of figuring out how much money you’ll need for retirement can be a substitute for comprehensive retirement planning. 

As your retirement planner, I will help you consider your options and develop game plans that can help you during your retirement years. Don’t wait – call soon to learn more 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Will You Stay In Your “Home Sweet Home” During Retirement? 

Is Your “Home Sweet Home” Where You Should Live During Retirement? 

As you prepare for retirement, perhaps you find it hard to imagine living anywhere but your “home sweet home.” After all, your home is full of wonderful memories – birthdays, anniversaries, holidays, and much more. Your home is familiar and comforting. You don’t want to leave that comfort behind. 

However, perhaps your home has some not-so-sweet memories too. You may remember feeling overwhelmed by bills. Perhaps the sudden need for roof repair or replacing a furnace left you strapped for finances. After all, for all the comfort a home might bring, it can also become a money pit – a financial burden. You need to spend money to upkeep your home, and that upkeep never seems to end. 

Where Should You Live During Retirement? 

Hi, I’m Dr. Penelope Tzougros. In my position as a financial consultant, I’ve helped many soon-to-be retirees understand what their options for retirement planning are. Now, I can help you too. If you’re feeling stuck as you consider where you should live during retirement, I encourage you to read Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement. I wrote this book to help retirees make a decision about where to live during retirement that is based on facts, not just on feelings. 

Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement can help you understand if your home is your best asset or if you should consider your other options for where to live during retirement. Allow Your Home Sweet Home to help you make your Stay-Move Decision! 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Where Should I Live During Retirement? 

You Don’t Have To Make Retirement Decisions Alone 

As you prepare for retirement, there are doubtless many questions you’ve asked yourself – such as questions about medicare, social security, and where you should live during retirement. Making plans and finding answers to these questions as you prepare for retirement may seem overwhelming, but you don’t have to do it all on your own. 

Hi, I’m Dr. Penelope Tzougros – and I can help you answer the retirement questions you have. I’m eager to help you make fact-based decisions that will benefit you in your retirement years. 

Where Should I Live During Retirement? 

Undoubtedly, this is one of the most important questions soon-to-be retirees have to answer as they prepare for retirement. Perhaps you assume you’ll stay in your home. Perhaps you’re curious about what other options are available to you. Regardless of your initial feelings, however, it’s important to consider facts, not just feelings. Is your home the best place for you to stay? Could it be an asset, or will it cause financial struggles? 

My book, Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement, helps soon-to-be retirees answer these questions. It lays out important factors you should consider when making the Stay-Move Decisions. Such factors include if your home is really an asset, what tests your house should pass for you to stay, what it would take for you to make a change if you need to, and much more. By the time you have answered these questions honestly, you’ll be able to determine if you should remain at home during retirement or move elsewhere. 

Don’t wait – get your copy of Your Home Sweet Home today! 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

Retirement Calculators – Traps Or Truth Tellers? 

Would You Like Help Planning Your Retirement? 

Making sure that you can live your retirement in comfort and not in frustration takes a lot of planning. Soon-to-be retirees may find that they aren’t exactly sure what to plan for or how, though. If you have questions about retirement that you would like answered, don’t worry – you’re not alone. You can seek the help of a professional retirement planner! 

Hi, I’m Dr. Penelope Tzougros, and I can be your retirement planner. I aim to help soon-to-be-retirees like you to make important retirement decisions based in facts. Once you have all the facts in front of you, you can make informed retirement decisions. 

Are You Considering Using A Retirement Calculator? 

If you are thirty and want to retire at 60, a retirement calculator might help you estimate how much more you need to save. If you are much nearer to retirement, say just a few years away, using a calculator may trap you. Why? Isn’t it just running numbers? Isn’t it just math? 

Is Your Retirement Calculator Asking the Right Questions?  

Yes, retirement planning is about numbers, but not only about numbers. It’s also about who you are, and what you value. What does the calculator ask you to input? What are the assumptions that the software is making? 

Some Retirement Calculators Ask Too Much  

Suppose you state your age, does the program assume your actuarial death, or does it ask- as a financial planner would – about your health and family history of longevity? You state how much you have saved or invested. Saved and invested are not the same. Saved is likely to be vehicles that remove risk and invested adds risk and volatility. However, the calculator may assume the rate of return on the money is the same for both, now and continues to be the same until retirement and after retirement. That is a trap which may understate or overstate your pool of money for retirement 

The calculator may also assume that your cash flow needs are the same from now until you die. 

Some retirement calculators may allow you to be more specific about your investments. However, are they extrapolating the most recent year’s returns or looking at ten years? Does the calculator capture the “habits” of the fund or investment? For those of you who would like to preserve your capital and live on the dividends or interest, can the calculator show you the growth in income not just the appreciation in price of the holding? 

What inflation rate does the calculator assume? If it is 2%, you may have rosy picture. If it is 4% which is closer to the United States 40-year history, you may feel you are not as prepared for retirement. 

Retirement Calculator vs. Personally Tailored Retirement Plan  

These are just a few of the points where a retirement calculator may trap you into being optimistic or gloomy. Having a guesstimate has some value but it is hard to pay bills and pay for your future needs if the guesstimate is wrong. You might serve the future you better by taking the time to have a comprehensive and personally tailored plan rather than relying on a retirement calculator that initially feels less intrusive and intensive, but what a difference the two approaches might have for your satisfactory retirement. 

Whatever you do, I wish you healthy, joyful, and prosperous days. 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now! 

The Stay-Move Retirement Decision 

Are You Overwhelmed By The Decision You Need To Make For Retirement? 

Many soon-to-be retirees find themselves overwhelmed with the number of decisions they need to make as they plan for their retirement. You may wonder if you’re making the best decisions or if you even have all the information you need to make an informed decision. That’s where I step in to help. Hi, I’m Dr. Penelope Tzougros – and I aim to help people like you make informed decisions about their retirement. 

Have You Made Your Stay-Move Decision? 

If you’ve started to plan for retirement, you’ve likely already considered what your answer is to the Stay-Move Decision. The Stay-Move Decision is the decision about where you should live during retirement. Should you continue to live in your “Home Sweet Home” or should you consider moving elsewhere? 

Perhaps you think you already have the best answer. After all, your home is your best asset, so why should you leave it? What if your “Home Sweet Home” isn’t so sweet, though? What if it’s not the asset you think it is? What if your home is a money pit that has the potential to drain you of your finances during retirement? 

Read Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement 

Many retirees are faced with this same question. It may seem difficult to determine whether or not your home is truly an asset that will benefit you in retirement. You don’t have to figure it out on your own, however. My book, Your Home Sweet Home: How to Decide Whether You Should Stay or Move in Retirement, is designed to answer your questions about the Stay-Move Decision. Your Home Sweet Home will help you know which tests your home should pass for you to stay they, help you learn if there are better places to stay during retirement, and much more.  

Base your decision about where to live during retirement on facts, not on feelings. Get your copy of Your Home Sweet Home today. 

Dr. Penelope Tzougros Helps You Prepare For Retirement 

Wouldn’t be it nice to rely on professional financial advice as you prepare for retirement? I’m Dr. Penelope Tzougros, and I’m ready to offer the personalized advice you seek. I use my experiences as an author, a speaker, a financial consultant, and a Professor to help you prepare for the future and for retirement. Making financial plans can feel scary, confusing, or overwhelming – but it doesn’t have to be. Contact me today to learn about how you can prepare for retirement now!