Retirement planning
As you're transitioning to the next stage of your life – whether changing jobs or retiring – it's important to consider the next step for your retirement savings.
Find out if you're ready for retirement »
Learn about your distribution options »
Roll to an IRA »
Tips for a successful retirement
Although retirement may represent freedom from many lifelong duties, your financial responsibilities are likely to remain with you. Fortunately, there are ways to reduce the stress of your decision-making process. Managing your money won't always be easy, but it can be rewarding.
Be flexible – If you find that you aren't in the position to retire when or how you'd like to, re-evaluate your situation. Your ability to adapt to changing circumstances may be your best asset. Make sure your expectations of investment performance are realistic and your goals are flexible.
Keep it simple – If you've got several IRAs, you may wish to consolidate them. You should consider the potential tax consequences involved and consult a financial advisor or tax planner for more information.
Stay organized – Keep all your important papers in one place, especially copies of all your beneficiary designation forms.
Be knowledgeable – Even if you use a broker, you should always understand how and where your money is invested.
Understand risk – Keep in mind that investing and risk go hand in hand. But, rather than avoid risk, you should understand it, manage it, and use it to your advantage.
Don't go it alone – Don't hesitate to call a professional. The tax laws that govern retirement accounts and estate planning are complicated. You've worked hard to build a nest egg, and a financial advisor or tax planner can be a valuable resource in helping you grow, preserve, and even pass along your savings.
And finally, get additional assistance – Just call 1-877-200-9107 between 8:30 a.m. and 5:00 p.m. Eastern Time to speak with a knowledgeable Retirement Specialist who can help you learn about important retirement planning considerations, understand your retirement plan distribution options, and help you put your decisions into action.
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