Analysis of your current financial situation can help clarify your short- and long-term goals. The calculators on this page are tools to assist you in getting a clearer view of where you are financially–where you're headed–and what you need to do to get where you want to go. 

Asset Allocation

• Asset Allocation Planner: Determine your investing style based on your tolerance for risk and years to retirement.

• Current Asset Allocation: Determine how your assets are currently allocated.

College Savings

• College Planner: Set up a savings schedule for your children's college tuition.

Financial Health

• Net Worth Calculator: Review your asset and liabilities to determine your net worth.

Retirement Planning: IRAs

• IRA Analyzer: Explore the features of both the Roth IRA and Traditional IRA to see if an IRA is right for you.

• IRA Comparisons: Determine which type of IRA contribution is appropriate for you.

• Traditional IRA vs. Taxable Savings: Analyze the effect of saving to a traditional IRA versus saving to a taxable savings account.

• Roth Analyzer: Analyze the effect of saving to a Roth 401(k)/403(b) versus saving to a Regular 401(k)/403(b).

Retirement Planning: Living in Retirement

• Depletion Calculator: Determine how long your money will last given various retirement scenarios.

• Distribution Calculator: Weigh your choices for withdrawing funds from your account.

• Required Minimum Distribution: Determine a required minimum distribution amount for a person that is 70½ or older.

Retirement Planning: Saving for Retirement

• Gap Analysis: Are you on track for retirement?

• Retirement Budget Estimate: Create a retirement budget worksheet.

• Retirement Savings: How much will I have in my account at retirement?

• Social Security Calculator: Estimate your Social Security benefit.

Savings Goal Planning

• Budget and Cash Flow: Create an annual budget/cash flow worksheet.

• Savings Goal Calculator: Determine how much you should save to reach a specific goal.

Heritage Financial Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.