Smart retirement strategies for the long run. Starting with the short run.

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How much will you really need?

Retirement is personal. So the conventional wisdom of needing to maintain 70-80% of your salary may or may not apply to you. In doing your own math, it’s important to consider how expenses like a mortgage, travel, or helping a grandchild pay for college will affect how much income is right for you.

Get familiar with the numbers.

With expenses big and small in mind, you can begin to wrap your head around how much income you’ll need to generate, how much money you’ll need to put away, and how you can best invest what you already have. 

Plan for additional expenses.

On top of predictable expenses, like mortgage payments, you may also need money for unexpected expenses like health care. Even though you’re decades from retirement, now is a good time to start considering different scenarios.

Know your starting place. 

Once you’ve estimated how much you think you’ll need for retirement, you can see how far you’ve already come. Begin by taking a look at the assets you have, like a 401(k) or IRA. We can help analyze them to ensure you are on the right track. 

Build your savings.

Together, we’ll consider different strategies for growing your savings. From investments to annuities, you have many options to achieve your personal goals. And no matter which you choose, starting now is important—you’ll compound your returns faster than saving more later.

Turn savings into income.

You could take money out of a mutual fund and invest it into a guaranteed lifetime income annuity. Or you could turn a variable annuity into a guaranteed future income annuity. Options abound. Let’s determine yours. 

Learn more about mutual funds

Learn more about annuities

Ready to plan your retirement? A Registered Representative near you can help.


Want to know how much retirement income your 401(k) can provide?

Now is the time to take action.

Creating a plan that suits your needs can take a little time, so don’t put it off any longer. We can help you set and meet realistic goals.

Watching the Gaps

You may think you know what to plan for in retirement—but have you considered these commonly overlooked concerns?

Late in the Game?

We’ve got some retirement tips for late planners that will put your mind at ease.

Not Your Parents’ Retirement

For baby boomers, one thing is clear: your retirement is going to be very different than your parents’. Here’s why.

Worth the Wait

There are a variety of reasons Americans are delaying retirement. Here are a few to consider as you plan your future.

Nothing prevents a hard fall like a good save.

Looking for a conservative way to grow your retirement savings? Fixed annuities earn a solid interest rate—regardless of what’s happening in the market.

Clear Income Fixed Annuity****

Pre-arrange for a solid future income with some liquidity to cover unexpected expenses.

Secure Term Fixed Annuity****

Enjoy safe, steady, and tax-deferred growth to best suit your future retirement needs.

Need to find the right annuity? We can help.

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