Retirement Planning
Your Path to a Secure Retirement
Our comprehensive retirement planning solutions help you create a clear roadmap to financial independence and a comfortable retirement.
Whether retirement is decades away or just around the corner, we provide personalized strategies, tax-efficient accounts, and powerful planning tools to help you achieve your retirement goals.
Retirement Account Options
Choose the right tax-advantaged accounts for your retirement strategy
Traditional IRA
Tax-deductible contributions with tax-deferred growth. Taxes are paid upon withdrawal during retirement.
- Tax-deductible contributions
- Tax-deferred growth
- $7,000 annual contribution limit
- $8,000 for age 50+
Roth IRA
After-tax contributions with tax-free growth and withdrawals during retirement. Ideal for those expecting higher future tax rates.
- Tax-free growth
- Tax-free withdrawals
- $7,000 annual contribution limit
- $8,000 for age 50+
401(k) Rollover
Transfer your existing 401(k) from previous employers to consolidate and optimize your retirement savings.
- Consolidate accounts
- More investment options
- Lower fees potentially
- Simplified management
SEP IRA
Simplified Employee Pension IRAs for self-employed individuals and small business owners.
- Higher contribution limits
- Tax-deductible contributions
- Simple administration
- Flexible annual funding
Retirement Calculator
Plan your retirement with our easy-to-use calculator
Your Retirement Projection
Projected Retirement Savings
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Estimated Monthly Income
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Retirement Strategies
Customized approaches for every stage of life
Build Strong Foundations
Your early career is the ideal time to establish strong retirement savings habits. The power of compound interest means that even small contributions can grow significantly over time.
- Maximize employer 401(k) matches - it's free money!
- Consider a Roth IRA for tax-free growth potential
- Build an aggressive, growth-oriented portfolio
- Develop strong savings habits early
Time is your greatest asset
Accelerate Your Savings
Your peak earning years are an opportunity to maximize retirement contributions and refine your investment strategy.
- Consider catch-up contributions if you're over 50
- Rebalance your portfolio regularly
- Pay down high-interest debt
- Begin to shift toward a more balanced portfolio
- Maximize tax-advantaged accounts
Accelerate your savings
Fine-Tune Your Plan
The years leading up to retirement are critical for finalizing your retirement strategy and ensuring you're on track to meet your goals.
- Create a detailed retirement budget
- Gradually shift to more conservative investments
- Max out retirement account contributions
- Consider long-term care insurance
- Develop a Social Security claiming strategy
Fine-tune your strategy
Frequently Asked Questions
Common retirement planning questions answered
Financial experts typically recommend saving 15-20% of your pre-tax income for retirement. However, the ideal amount varies based on your age, current savings, expected retirement lifestyle, and other factors. Our retirement calculator can help you create a personalized savings target based on your specific situation.
The best retirement account depends on your individual circumstances:
- Traditional IRA or 401(k): Best if you expect to be in a lower tax bracket during retirement.
- Roth IRA or 401(k): Best if you expect to be in a higher tax bracket during retirement or want tax-free withdrawals.
- SEP IRA: Ideal for self-employed individuals or small business owners.
Many people benefit from a mix of account types to provide tax flexibility in retirement.
You can begin taking Social Security benefits as early as age 62, but waiting until your full retirement age (66-67 depending on birth year) or even until age 70 can significantly increase your monthly benefit amount. The optimal claiming age depends on factors like your health, life expectancy, other income sources, and financial needs. Our advisors can help you develop a personalized Social Security claiming strategy as part of your overall retirement plan.
Ready to Plan Your Retirement?
Our retirement specialists are here to help you create a personalized plan that aligns with your goals and timeline.