Everyone paying attention realizes our government's retirement system is flawed. The Congressional Budget Office projects the outlays will far exceed income to the Social Security System for the next 70 years.

Pension plans are not reliable either. Millions have lost their entire pension through company takeovers and bankruptcies. Some municipal and union pensions have left pensioners waiting for checks as they have no money to pay out either.

That leaves it to each and every one of us to be responsible for ourselves and our own retirement so we won't be a burden to our children and family members.

In order to set a plan in place we first need to have the numbers. Everyone should have their 'big number' and monthly income number heeded for retirement. But that is difficult for mist people to figure out how to get those numbers. We are just left to guess what that might be.

Wouldn't it be great to 'play with' some numbers to know what you should be going for? Well we've created a Street Smart calculator for you to do just that.

This allows you to enter today's cost of each item of lifestyle you plan to have when you retire. You then enter your age and the number of years until you plan to retire. You enter the rate of inflation you want to plan for and the calculator tells you how much in assets you need at a given rate of yield in order to deliver the monthly income you'll need to retire.

Register by filling out and submitting the form to the right and we'll send you this fantastic planning tool as a gift from good 'ole Lou and the Street Smart team.  Play with the numbers and settle on your final ones so we can help you set up a plan to get there. 

We look forward to seeing you and helping you to achieve your goals soon!

Best,