Planning for retirement
For people in their 50s and 60s who plan to retire in the next 5 to 15 years. We help you see what your savings can pay you each month, and build a plan to get there.
How much income your savings can support
We bring your 401(k)s, IRAs, savings, Social Security and any pension into one picture, then show you the monthly income it can support, year by year.
When to claim Social Security
The age you claim changes your benefit for the rest of your life. We compare your options side by side, including what each one means for your spouse.
What to do with your 401(k) when you leave
You can usually leave it, move it to a new plan, roll it to an IRA, or cash it out. We walk through each choice, including the taxes, before you move a dollar.
Health care before Medicare
Medicare starts at 65. If you plan to stop working sooner, we build the cost of coverage until then into your plan, so it doesn't catch you by surprise.
Taxes in retirement
Which accounts you draw from, and in what order, affects your tax bill. We plan your withdrawals with that in mind and work alongside your tax professional.
Protecting your family
We review your life insurance and beneficiaries, and work with estate planning attorneys so your plan covers the people who depend on you.
What to do, and when.
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10 years out
Get a clear picture
List every account, estimate what you'll spend in retirement, and check whether you're on track. After 50, you can also put extra into your 401(k) and IRA with catch-up contributions.
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5 years out
Set a target
Pick a target retirement age, review how your money is invested, and start planning for Social Security and health care.
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1 year out
Make the big decisions
Choose when to claim Social Security, decide what to do with your 401(k), plan your first year of withdrawals, and line up health coverage.
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Year one
Turn the plan into a paycheck
Set up a steady monthly deposit from your savings, then review it together after the first few months and adjust as life settles in.
Find out where you stand.
Bring your statements and your questions. We'll show you what your savings can pay you each month, and what to do next.