Financial Calculators
Medicare Resources
This is a very simple 401(k) calculator to show the power of investing early.
The Fund Analyzer helps you to understand the fees charged by Mutual Funds. It does the math for you and shows how fees and expenses impact the value of your fund over time.
Retirement Withdrawal Calculator
Helps you figure out how much you can withdraw in retirement.
When can I retire calculator Project whether your current savings, income, and investment strategy are on track to support your ideal retirement age and lifestyle.
Social Security Benefits Estimate
Check your account to see how much you might get in benefits payments.
Calculate how much an investment in the S&P 500 grew over a certain time period.
Calculate 401(k) to Roth 401(k) conversions to determine breakeven point.
Roth 401 (k) vs Traditional 401 (k) Calculator
Use this calculator to help determine the best option for your retirement.
Credit Card Balance Transfer Calculator
A credit card balance transfer can be a good way to save money on credit card interest fees but only when the numbers work out. You can use this balance transfer calculator to determine if a balance transfer card can actually help you save money.
Determine how much your money can grow using the power of compound interest.
Required Minimum Distribution Calculator
Determine how much money you need to take out of your traditional IRA or 401(k) account this year.
Estimate your total retirement savings.
This Calculator helps you determine how much interest can you save by increasing your mortgage payment.
Use this calculator to see how much you could lower your monthly payments by recasting your mortgage.
Watch Medicare: What the Insurance companies won’t tell you
Replay of video conference of Lucretia Ryan presenting Medicare: What the insurance companies won’t tell you.
Official website to register and choose a medicare plan.
Open enrollment:
October 15- December 7 2026.
Initial Enrollment Period(new to Medicare):
Starts 3 months before you get Medicare and ends 3 months after you get Medicare.
How to Choose a Medicare Supplement
Read my article to help you decide which Medicare Supplement to choose. It includes a helpful chart that compares all of the different letters.
Medicare Consultant that I trust
Gene Ranney is the medicare consultant that my brother used. He is the only Medicare Consultant that I know who will recommend a Medicare Supplement instead of a Medicare Advantage plan. I do not receive any financial incentive for recommending Gene. He can be reached at eranneyy@gmail.com or (941-716-4348).
Watch John Oliver takes on Medicare Advantage
This is a very funny and very accurate video that will educate you on what is really going on with Medicare Advantage.
Healthcare Resources
Retiring Before 65: How to Avoid Health Insurance Nightmares.
Fighting a Health Insurance Denial? Here Are 7 Tips To Help.Here are tips to consider when faced with a prior authorization denial
Writing an Appeal Letter for Insurance Denial-Tips from Patient Advocate Foundation- dedicated to helping patients navigate healthcare.
www.covermymentalhealth.org- No-cost resource supporting patients and families to overcome obstacles to mental health and substance use disorder care.
Erin Rocket - fee only consultant (not insurance agent) to help you choose an ACA plan. 914-805-2547 or Erin@precisepm.org
Careyaya - a company that links students in the healthcare field with seniors needing assistance. Background on Careyaya
National Foundation for Credit Couseling (NFCC)- legitimate non profit organization to help you get out of debt.
Resources for Teachers
403bwise.org is a non profit organization and is a great resource for teachers to learn about 403(b) plans.
One of the resources on 403bwise.org is a vendor rating system where you can view the ratings of the vendors in your 403(b) plans.
How to Get Out of a Bad 403(b) Plan
Step by step instructions to get out of a bad 403(b) plan.
How to Set Up a Vanguard 403(b) Low Cost Index Fund
Once you have set up your account, please call Vanguard participant services center 800-569-4903 and let them know you need help with a contract exchange. They will transfer you to a dedicated team that helps individuals with the process.
A private teacher only facebook page to discuss 403(b) plans and ask questions to over 13,000 teachers
The Teach and Retire Rich podcast by 403bwise.org covers retirement plan issues facing teachers, professors, nurses, school employees and those who work in the non profit sector.
S&P 500 Historic Calculator
Calculate how much money you would have if you invested in the S&P 500 on a specific date.
School District Pensions, Benefits by State
Financial literacy for teachers with a section on Pensions and Benefits by state.
Want to teach Personal Finance to students-Next Gen Personal Finance-Everything you need to teach personal finance with joy and confidence, 100% free.
Social Security Resources
How much will I collect from Social Security
Create an account and look up how much you’ll receive if you retire at 62,67 or 70.
Contact Social Security Administration
Verified Social Security site to contact Social Security or check FAQs.
Watch How to get the most from Social Security
Social Security is more complicated than most people realize but if you learn the Social Security Secrets you can get a larger monthly check for life.
How does Survivor Benefits work- the official SSA booklet gives you an overview of Social Security survivors benefits paid to the spouses and children of workers who die.
How long might I live- This tool will allow you to consider the risks of outliving your financial resources, i.e., the chance of running out of money during your lifetime
Educate Yourself
Suze Orman: The Ultimate Retirement Guide for 50+
This is a great book for the novice investor. I’m a big fan of Suze Orman. This book makes it simple to understand the decisions you have to make to have the ultimate retirement.
Suze Orman - Woman and Money Podcast
I love this podcast. Suze teaches a different financial topic each week and also answers financial questions from people who write in. She makes it easy to understand.
Suze Orman- The Money Book for the Young, Fabulous, & Broke
The Money Book was written to address the specific financial reality that young people face today
Suze Orman - Must have Documents
Purchase this online tool to create
Living Revocable Trust
Will
Financial Power of Attorney
Advance Directive + Durable Power of Attorney for Health CareTrusted financial advisors often sell variable annuities as a supposedly safe way to create guaranteed retirement income for their clients, while earning large commissions for themselves.
This video explains in plain English why so many people are persuaded to buy variable annuities — and why you should drop your financial advisor if he promises “guaranteed returns.”
How to find a Fee only Fiduciary Advisor
This is a great book on How to Find, Hire, and Establish an Aligned and Trusted Partnership with a Fee-Only Financial Advisor.
Research your Financial Advisor’s background at Broker Check by FINRA
Bedrock Credit America- Non Profit to educate you on how to improve your credit score.
College Funding
This website has been helping families save for college since 1999. They are an unbiased, independent resource for parents and financial professionals, providing information and tools to understand the benefits of 529 college savings plans and how they can prepare to meet the challenge of increasing college costs.
Vanguard College Savings Planner
See how much you have to save to reach your college savings goals.
How to Make (or Ask for) a 529 Plan Gift Contribution (Forbes Advisor)