Retirement Planning

Estimate needs, optimize savings, and create dependable income for life.

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Needs Assessment

Estimate annual expenses, inflation, and longevity to size your nest egg.

Expenses

Housing, healthcare, travel, and lifestyle choices drive annual needs.

Inflation

Plan with realistic inflation assumptions across categories.

Longevity

Use life expectancy tables and stress tests for longevity risk.

Savings Strategies

  • Maximize employer match and annual limits
  • Automate contributions and increase annually
  • Use Roth conversions strategically

Account Types

AccountTaxAccess
401(k)Pre-taxWorkplace
Traditional IRAPre-taxIndividual
Roth IRATax-freeIndividual

Social Security

Coordinate claiming strategy with other income sources to maximize lifetime benefits.

Healthcare

Plan for Medicare and supplemental coverage, including long-term care considerations.

Income Strategies

Use annuities, laddered bonds, and dividends to build reliable income streams.

Withdrawal Rules

Apply 4% rule as a starting point and adjust based on markets and spending.

Calculators

Estimate retirement income and safe withdrawal rates.

Retirement Income Estimator

Safe Withdrawal Guide

Frequently Asked Questions

Answers to common retirement planning questions.

Multiply expected annual expenses by 25 as a rough guide, then refine with more detailed planning and risk considerations.

Delaying increases benefits, but decision depends on health, life expectancy, need for income, and spousal benefits. Coordinate with overall plan.

Create Your Plan

Move from goals to actionable steps with a tailored plan.

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