Mutual Fund Fee and Expense Calculators: • • Current Investment Fee and Expense Calculator Calculates the estimated annual fees and expenses of a current investment in the mutual funds offered by NLC Financial Services. Hypothetical Fee and Expense Calculator Calculates the hypothetical fees and expenses of a $10,000 investment in the mutual funds offered by NLC Financial Services over a 10 year period. Please remember that an investment in a mutual fund involves risk. Investment return and principal value of a mutual fund investment will fluctuate, and shares, when redeemed, may be worth more or less, than their original cost. Mutual fund fees and expenses may fluctuate over time and actual expenses may be higher or lower than the estimates shown. Investors should consider the investment objectives, risks, charges and expenses of a fund carefully before investing. For a prospectus containing this and other information for the mutual funds offered by NLC Financial Services, call your financial advisor or here. Please read the prospectus carefully before investing. Retirement Planning: • • • • • Traditional IRA Future Value Calculator (Traditional IRA Calculator) This calculator will estimate and chart the future value of a tax-deferred traditional IRA. Roth IRA Future Value Calculator (Roth IRA Calculator) This calculator will estimate and chart the future value of a tax-deferred Roth IRA. Roth vs. Traditional IRA This calculator will help you determine which IRA may be right for you. 401(k) Savings Calculator A 401(k) can be one of your best tools for creating a secure retirement. 403(b) Savings Calculator A 403(b) can be one of your best tools for creating a secure retirement. College Savings: • • College Savings This calculator estimates a child's future college costs and calculates the monthly and annual savings required to meet those costs. Student Budget Calculator Use this calculator to help analyze your budget as a full-time student. Insurance protection: • • • Life Insurance Needs Analyzer (Life Insurance Calculator) This worksheet is designed to quickly estimate the right amount of life insurance protection to meet survivor needs. Should You Buy Long-Term Care Insurance (Long Term Care Calculator) Use this tool to help you decide if you should consider a LTC insurance policy. Disability Income Needs Worksheet (Disability Insurance) This worksheet is designed to help you determine if you have enough disability insurance protection for your family. Home: • • Mortgage Loan Calculator Use this tool to generate an amortization schedule for your current mortgage. Maximum Mortgage This calculator determines your maximum monthly housing payment and the resulting mortgage amount. Auto: • • Auto Loans Use this calculator to help you determine your monthly auto loan payment or your auto purchase price. Auto Rebate vs. Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. Other financial planning needs: • • • • • • • • • • Home Budget By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. Investment Returns This calculator helps you sort through not only investment capital and rate of return, but inflation, taxes and your time horizon to determine your bottom line. Savings Goals What will it take to help reach your savings goals? This financial calculator helps you find out. Net Worth Calculator This calculator helps you determine your net worth. Lunch Savings Calculator This calculator illustrates how a little lunch savings can go a long way. Don't Delay Your Savings This calculator helps show you how much postponing your savings plan can really cost. Benefit of Spending Less Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. How Much do you Owe Use this calculator to find out how much you owe. Credit Card Payoff Use this calculator to see what it will take to payoff your credit card. Enhanced Loan Calculator Use this calculator to look at a variety of possible loans. The products and services described in this website are offered only in the United States, Puerto Rico and the U.S. Virgin Islands. Nothing in this website should be considered a solicitation to buy or an offer to sell such products and services in any jurisdiction where the offer or solicitation would be unlawful under the laws of such jurisdiction.