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(PRWEB) May 12, 2005 — Federal employees can now download free software to help them plan for retirement.

The Snow-Cap Agency, Inc. is now offering a free download of its exclusive Federal Retirement Income Gap Calculator software to all federal and postal employees.

“When planning for retirement, just knowing what your benefits are is only part of the process. It is equally as important to know if you will have enough money to live on once you retire,” says financial and estate planner Judy Snow, founder of the Snow-Cap Agency, a recognized leader in retirement planning seminars for U.S. federal government agencies.

The software gives a general estimate on whether the federal employee will be financially comfortable at retirement or have a “gap” or shortfall in retirement income.

“The calculator software is a very useful tool that has been used by tens of thousands of federal employees,” Snow added. “The calculator gives federal employees a good estimate of how much they should be saving each year to have a secure retirement.”

There is no charge to download, install and use the software.

The calculator can be found on Snow-Cap’s web site at http://www.snow-cap.com

The Snow-cap Agency, Inc. – a private, woman-owned small business in Castle Rock, Colo. - is a leading producer of employee benefits seminars and workshops for federal workers. In the last 15 years, Snow-Cap has conducted more than 1,000 seminars at 400 federal offices nationwide.