Table: Web Solutions

The Web offers scores of retirement calculators, but few sites where you can systematically construct a financial plan. These two are fairly thorough:

moneycentral.msn.com/retire/planner.asp

Helps you measure your risk tolerance and select appropriate investments. The "action plan" costs $20 and consists of investment recommendations.

quicken.com/retirement/planner

Input financial info for yourself and your spouse. If your plan won't produce enough money, you can make adjustments until you get the desired result.

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