These interactive tools are intended as educational, not investment advice. The information presented is not intended to advise you of strategies applicable to your specific situation but rather to highlight issues for your consideration. Therefore, you should always consult a financial specialist. Your own goals and timeline will help you develop a specific plan. Tax rates, inflation rates and projected benefits need to be considered to get a fuller picture. These tools also reflect today's dollars; therefore you will need to re-calculate and as your earnings and circumstances change.