Make Retirement Simple Book Hits #1 on Kindle

My first book has been published on Amazon Kindle and hit #1 on several of the charts!  It’s very exciting.  The print version will be coming out in the next couple of weeks.

I’d just like to thank my co-authors Travis Evans, Craig Cassidy, and Jeff Biro.   Congratulations to you guys too for being a “Best Selling Author”!Book-AmazonBestSellerCollageScreen

If you want to check out the KINDLE version here it is on

WOULD YOU LIKE THIS BOOK FOR FREE? Get our LABOR DAY SPECIAL and we will mail you a PRINTED COPY once it is ready later this month.  You will get ALL of the following if you get going this Labor Day weekend:

1). Full RetirementView software
2). The Latest 2016 Edition (and 2017 edition when it is ready in January)
3). you get 1 year of updates from date of purchase
4). you get our QuickStart Guide
5). you get unlimited support by e-mail and phone.
6). you get our iron-clad 100% 90-Day Unconditional Money Back Guarantee (new customers only).
7). you get our online training videos that teach you how to use the software.
8). BONUS: LIVE Q&A Call with Tim Turner – bring all your questions
11). * BONUS *: Copy of Print Verion of Tim’s Best Selling Book “Make Retirement Simple” (once it is ready in print)

If you’d like to get this, click here to order!

From a Real Client: A LETTER FROM Julliette?

I got an email the other day.  If you have any interest in the RetirementView software I thought you might want to read it.

Here it is….

Hi Tim,

I was just telling another person today about your software, strongly encouraging it (again).

During lunch, he was telling me that he’s thinking that the consulting assignment we’re on now may be his last.  I asked how he was sure he can afford to stop working yet.  He said he knows his budget and his savings and what he can expect from investment returns and SS. I don’t doubt that, but to me it seems so much more complicated than that.  Has he factored in inflation?  How can one estimate what one will lose to tax payments when one begins to liquidate assets from IRAs vs ROTH IRAs vs taxable investment accounts? That makes too huge a difference to not factor that?  I can’t imagine even THINKING about deciding when one can end one’s career without either using a sophisticated software package like yours or hiring a financial planner to do an analysis (who might end up using your software to do it, or a package that’s similar!).  When a question is as critically important to answer correctly as this one–whether one has enough savings to last the rest of one’s life and cover any likely contingencies– it seems that one would be foolish to not invest the money to double check their relatively rough estimates.

I’ve told so many of my friends about your software, and it amazes me that I don’t think anyone has acted on the recommendation (though one does plan to as soon as she has some time she can anticipate dedicating to it).

As for me, in response to losing my job 5 years ago, I made the decision to change my profession in order to be more marketable long-term.  It took three years to research and decide what I want to do next, then study to learn the new career, and then network and jobhunt like crazy.  The painful result was that I decreased my savings by $170K during those three unemployed years (it’s very expensive to live near Boston!, and some of that was paying taxes on some partial IRA to Roth conversions I decided to do while I was earning practically nothing and thus at a low tax rate).

That set my financial plan WAY back. The good news is that although it took a long time and was VERY challenging, I eventually managed to get a very good job in my new profession (Business Analysis consulting).  In the almost 2 years since then I’ve saved as much as I possibly could to start getting back on track for what I hoped would be an early retirement from my technical profession. My ardent desire is to be able to focus on my passions for art and loving (primarily) and sailing and being outdoors and exploring. It feels so discouraging that between having withdrawn so much of my savings to live while unemployed and my portfolio having lost so much value in the recession (and not fully recovered), there’s been such a major setback. And the outlook for ROI seems so very low that after inflation takes its toll, it’s not appearing that I can realistically hope for my savings to double in 7 years as rates of return used to enable.  But oh well. One must adapt and deal with the what is.

I really love knowing that I’ll be able to reassess where I stand with regards to a reasonable retirement year estimate with the aid of your software in which I have a good deal of confidence (even though I don’t have much confidence in the crap shoot of my choice of variables to enter into your software!, since those variables could go any which way, as we’ve seen).

Thanks again for a super product!,


—- we’ve left her full name off so not to violate her privacy.  But thought you’d see some real insights into HOW and WHY people use our software.

Thanks and Happy Planning!


Can You Afford to Live to 100?

This week on May 19th, 2016 my wife’s grandmother Vivian celebrated her 100th birthday in Huntsville, Alabama.

Last weekend we celebrated her birthday at a party at her retirement home.


Vivian was in great spirits and happy to see everyone celebrating with her.

Of course we had a huge birthday cake for her.


It got me thinking about “what does it take financially to live to 100”?

Have you thought about that at all?  What if you make it to 100 and beyond?

Of course, using the RetirementView software you can run some scenarios out to 100 and see how your finances play out.

If you want to use the Consumer version of the software to plan for yourself or for you and your spouse, then go here to get going.

Vivian doesn’t hear all that great so I didn’t get to quiz her on the “Secret” to living such a long life.  But I do know she has been a big vegetable and fruit eater all her life.  She also was meticulous about getting to all her doctor’s appointments.


If you wonder whether you can financially handle living to age 100, then again you can go here to get going on the software.  Build your own picture.  See how your investments and income items will work together.  You will know pretty quickly in red if you aren’t going to make it.  And more importantly, you will be able to make adjustments and see what types of changes will help you make it for the long haul.

May you be blessed to live to 100 just like Vivian.  Thanks and Happy Planning.


-Tim Turner


New Mac Version of RetirementView – 2016.3

Torrid Technologies, Inc., a company based out of Marietta, Georgia, has recently released the 2016.3 version of their award-winning Retirement View software for Mac computers. The new version includes several important enhancements and improvements. The software has been in circulation and consistently updated since 1994 when it first appeared for the Mac operating system.

The software was designed to help individuals plan their retirement, even if they aren’t that good with a computer and know little about financial planning. It is also used by financial advisors to create visual retirement plans for their clients. Torrid Technologies founder Tim Turner says, “Our Retirmenet View software is for anyone concerned about whether they are saving enough for retirement. It’s more robust than free internet calculators and way easier to use than most complicated software systems.”

Currently, Torrid Tech is offering a free demo of the software from the company’s website at The tool is described as being easy to use, easy to learn, and uses a simple fill-in-the-blank system. It works instantly and accurately to create your retirement saving plans in less than 15 minutes.

The Retirement View software for Mac can be downloaded directly from the Torrid Technologies site for both individuals and financial advisors. From there, potential users of the software can read the reviews of current customers, speak to a member of the team or learn more from their knowledge base.

A unique video tour of the capabilities of the 2016 retirement view software release is also available through the website, providing some insight into the upgrades and additional content which users can benefit from during the retirement planning process. This walks users through entering data such as Social Security, Pensions, investments, benefits, special expenses, and other cash disbursements. It also shows why using a basic online calculator for this type of planning is inefficient and dangerous.

Price varies between the personal edition, couple’s edition, and professional edition, but all versions offer the same colorful graphics, real-time experience, and uncomplicated process to provide users with effortless planning potential. The company invites interested parties to download the trial version and see for themselves how easy it is to build your own retirement plan and take control over your retirement finances.

RetirementView software is available on both Mac and Windows computers, as well as tablets. Consumers use it for do-it-yourself retirement planning for both employees and those already retired. Financial advisors use RetirementView to build retirement plans for clients that they can see and discuss changes to avoid running out of money.

Mystery: The Case of the Jumping Social Security Income


Glad you are here and I wanted to try to make this article a little LESS BORING by telling the story of a MYSTERY that needs to be solved.  sherlock-holmes-147255_960_720-pixabay-publicdomain

Do you have a bit of Sherlock Holmes in you? Can you crack this case? 

The taxation of Social Security is a bit of a complicated topic, but the basics are that the IRS has a specific worksheet that you can fill out to figure out the “tax” you will owe on your Social Security.  Part of your Social Security is tax free, but then it can jump up to 50% or 85% taxable depending on other income and various factors.

If you want to learn how to calculate it, then consider getting the “Social Security Taxation Kit” that we offer which explains it all through video and worksheets.

Meanwhile, I wanted to share a SPECIFIC case study that an advisor sent in that shows an interesting “visual” anomaly in the RetirementView program.  NOTE: this not a the real file but a copy and all identifying information has been removed.

So let’s dig in… first look at the main Retirement Income Graph below.  The advisor sent this file in asking “Why does the Social Security jump up by over $4,000 for 2 years and then drop back down? ”  You can see where we point out this anomaly in the following graphic:

2016-04-14 Income GraphIf you are an advanced RetirementView user, think to yourself “Why would this happen?”

To search for clues about this, I flipped to the Spreadsheet to examine the numbers.  If you scroll to the right you will eventually get to the royal blue Social Security columns.  Indeed, we see that there are 2 years where the taxation drops from 85% to 0%.  This causes the amount of income from Social Security to INCREASE.  Notice that’s counterintuitive to think about… taxation DROPS but income INCREASES.  I guess that’s why everyone would like lower taxes (except maybe our government).

Here is a graphic showing the spreadsheet columns that are relevant.  Now this is an internal copy where we have columns for every one of the Social Security taxation lines on the IRS worksheet so we can validate our calculations.

2016-04-14 Spreadsheet

The question is WHY is this happening.  Well first you have to understand the Social Security taxation algorithm which is too much to explain here.  But the revelant key is that Tax Free investment withdrawals from a Roth IRA account, do not get added into the calculation of taxes on Social Security.  So when you withdraw money from your Roth IRA in retirement, it won’t affect your Social Security taxes at all.

Whereas, when you withdraw from Taxable accounts or Tax-Deferred Accounts like Traditional IRAs and 401(K) plans, then that income IS included in the taxation algorithm for Social Security.

The second clue you need to figure this out is to look at the Savings Graph.  When we looked there we see that Taxable investments get depleted right before the anomaly.  At that point the program begins to tap the Tax Free investment bucket to satisfy the target retirement income needs.  When that happens, the taxation on Social Security drops to 0% and thus the income from Social Security increases by over $4,000!

Here is a screenshot of the Savings Graph pointing out the depletion of Taxable:

2016-04-14 Savings Graph

Now go back up and see the original Retirement Income Graph picture… you can see the Social Security jump up for two years.

In Retirement View the order of investment depletion is Taxable, Tax Free, Non-Qualified, then last is Qualified.  So program taps the Taxable until it is gone and then switches to Tax Free.  When it does so, the withdrawals reduce the taxes on Social Security which then increases the net Social Security income after taxes.

And now mystery solved!  You know why this is happening. 

Another retirement planning case closed.  Til next time and Happy Planning!



Effortless Marketing for Financial Advisors

Hey, if you are a financial advisor I highly recommend the book “Effort-Less Marketing” for financial book-effortless-marketing-smadvisors by Steve Moeller.

It has some great foundational chapters that talk about marketing without a bunch of technobabble.  The nuts and bolts of the “5 Steps to a Super Profitable Business and a Wonderful Life”.

I have recommended this book before and even given it away as gifts to clients.

If you’d like to see a MIND MAP of some of the principals in the book, here you go.  I think you can click to make it bigger:

Effortless Marketing for Financial advisors - Mind Map by Tim Turner

Effort Less Marketing Mind Map

How to Use Webinars to Grow Your Financial Practice by 700%

OK so that may seem a bit “over the top” but one advisor we work with that uses our RetirementView software AND webinars to do periodic marketing events, grew his practice from $80 million to over $550 million in about 9 years.2014-01-15Tim-Sm-200

You may not get the same results, but you should DEFINITELY consider doing webinars….


2015 Budget Deal KILLS the Social Security Claiming Strategies

Many financial advisors and insurance agents have been going gang busters over seminars about Social Security.

Well that gravy train is now OVERRRR.  Thanks to our wonderful Congress they are calling the “Social Security Claiming Strategies” a loophole that needs to be closed.

And indeed in this disgraceful budget deal they are eliminating the loophole.  That means “claiming strategies” can’t be used in the future.  The final closure age and birthdates may change slightly.


Well you better go back to what has worked for the last 20 years… build their total retirement picture and focus on discussing it with the client.  That’s the 100% best guaranteed way to get their attention, engage them, and get them talking about their situation.  Of course the RetirementView program is the best way to do this….

To read the full story on Investment News, use the link below:

Will a financial advisor’s Client Portals cause SEC fines?

Hey Financial Advisors,

BLOCKBUSTER article… SEC is examining cases in which clients give advisers usernames and passwords to accounts they are not the custodian of… SEC is considering fines due to worry over “Madoff” like situations where the client’s accounts are plundered by the advisor.

Does this mean that client portals and “aggregation” is now a problem that may cause fines from the SEC?

Read this article for yourself and see what your take is on this issue.

2016 IRS Contribution and Benefit Limits for IRAs and 401ks

Due to the government’s estimate of low inflation, most of the limits are NOT CHANGING for 2016.

The Internal Revenue Service (IRS) highlighted the following limitations that WILL change in 2016 from 2015 levels:

  • For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the deduction is phased out if the couple’s income is between $184,000 and $194,000, up from $183,000 and $193,000, respectively.
  • The AGI phase-out range for taxpayers making contributions to a Roth IRA is $184,000 to $194,000 for married couples filing jointly, up from $183,000 to $193,000. For singles and heads of household, the income phase-out range is $117,000 to $132,000, up from $116,000 to $131,000.
  • The AGI limit for the saver’s credit (also known as the retirement savings contribution credit) for low- and moderate-income workers is $61,500 for married couples filing jointly, up from $61,000; $46,125 for heads of household, up from $45,750; and $30,750 for married individuals filing separately and for singles, up from $30,500.

Unchanged Limits

However, most limitations remain unchanged from 2015, including:

  • The elective deferral (contribution) limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan remains unchanged at $18,000, as does the limitation under Section 402(g)(1) on the exclusion for elective deferrals described in Section 402(g)(3).
  • The annual compensation limit under Sections 401(a)(17), 404(l), 408(k)(3)(C), and 408(k)(6)(D)(ii) remains unchanged at $265,000.
  • The catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan remains unchanged at $6,000.
  • The limit on annual contributions to an Individual Retirement Arrangement (IRA) remains unchanged at $5,500, and the additional catch-up contribution limit for individuals aged 50 and over is not subject to an annual cost-of-living adjustment and remains $1,000.
  • The limitation on deferrals under Section 457(e)(15) concerning deferred compensation plans of state and local governments and tax-exempt organizations remains unchanged at $18,000.
  • The limitation on the annual benefit under a defined benefit plan under Section 415(b)(1)(A) remains unchanged at $210,000. For a participant who separated from service before Jan. 1, 2016, the limitation for defined benefit plans under Section 415(b)(1)(B) is computed by multiplying the participant’s compensation limitation, as adjusted through 2015, by 1.0011.
  • The limitation for defined contribution plans under Section 415(c)(1)(A) remains unchanged in 2016 at $53,000.
  • The dollar limitation under Section 416(i)(1)(A)(i) concerning the definition of key employee in a top-heavy plan remains unchanged at $170,000.
  • The dollar amount under Section 409(o)(1)(C)(ii) for determining the maximum account balance in an employee stock ownership plan subject to a 5 year distribution period remains unchanged at $1,070,000, while the dollar amount used to determine the lengthening of the 5 year distribution period also remains unchanged at $210,000.
  • The limitation used in the definition of highly compensated employee under Section 414(q)(1)(B) remains unchanged at $120,000.
  • The dollar limitation under Section 414(v)(2)(B)(i) for catch-up contributions to an applicable employer remains unchanged at $6,000. The dollar limitation under Section 414(v)(2)(B)(ii) for catch-up contributions to an applicable employer plan described in Section 401(k)(11) or Section 408(p) for individuals aged 50 or over also remains unchanged at $3,000.

Compensation Limits

  • The annual compensation limitation under Section 401(a)(17) for eligible participants in certain governmental plans that, under the plan as in effect on July 1, 1993, allowed cost of living adjustments to the compensation limitation under the plan under Section 401(a)(17) to be taken into account, remains unchanged at $395,000.
  • The compensation amount under Section 408(k)(2)(C) regarding simplified employee pensions (SEPs) remains unchanged at $600.
  • The limitation under Section 408(p)(2)(E) regarding SIMPLE retirement accounts remains unchanged at $12,500.

A complete list of the changes from the IRS is available here.

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