Plan your transition to retirement

Follow a path to clarity and confidence

By now, you can begin to see it: Retirement, an exciting new chapter in your life. Now's the time to ask yourself some important questions, including: How will I make my money last? How can I manage and potentially reduce taxes in retirement? And how do I plan and pay for health care coverage? We’re here to help you plan and transition to the retirement you envision.

In the tabs above, we'll help you create an action plan for taking on some of the big decisions that new retirees face.

Teresa P.

Her challenge: With a good idea of the lifestyle she wanted in retirement, Teresa needed an income strategy to support it, accounting for inflation, market ups and downs, unexpected costs, and required minimum distributions (RMDs).

Her solution: With help from Fidelity, Teresa created a sustainable withdrawal strategy to help make her money last in retirement, including understanding how to use her withdrawals wisely based on her needs and goals.

Teresa found the following Fidelity resources helpful: 

Leon R.

His challenge: Having focused on growing his money during his working career, Leon needed to adjust his mix of assets—stocks, bonds, and cash—to lessen the risk of investment losses in retirement.

His solution: After reviewing options for his company 401(k), he chose to simplify by rolling it over to an IRA at Fidelity, where he already had a brokerage account he would continue managing himself. For the new rollover IRA, Leon chose professional investment management by Fidelity, who tailored an investment strategy suited to his needs.

Leon found the following Fidelity resources helpful:

Paul D.

His challenge: With a desire to make every dollar go farther in retirement, Paul wanted to find ways to reduce his taxes on his retirement income, helping to put more of his hard-earned savings in his pocket.

His solution: Using Fidelity's resources, Paul learned about and developed a strategy to help to reduce income taxes, including tactics like a Roth conversion and charitable contributions.

Paul found the following Fidelity resources helpful:

Jackie S.

Her challenge: Worried about her money lasting throughout retirement, Jackie wanted a plan for guaranteed income that would make her feel more secure.

Her solution: Using Fidelity's resources, she identified when to claim Social Security, assessed her remaining income needs, and then purchased an income annuity to cover the rest of her essential expenses and to provide a guaranteed income stream throughout retirement.

Jackie found the following Fidelity resources helpful:

Monica G.

Her challenge: As she retired from a full-time career to part-time work, Monica was losing her employer benefits and needed adequate coverage, along with a plan to pay for long-term care.

Her solution: Using Fidelity's resources, Monica created a plan to bridge the gap in health care coverage until Medicare began. When the time came, she was then able to enroll in Medicare coverage that met her needs by consulting with Fidelity Medicare Services^®. All the while, Monica was able to create and follow a plan to pay for long-term care with the help of an insurance-licensed Fidelity professional.

Monica found the following Fidelity resources helpful:

Thomas C.

His challenge: Having saved and invested over his lifetime, Thomas needed an estate plan that would help him transfer his wealth smartly to his family's next generation.

His solution: With help from Fidelity, Thomas was able to understand the key elements to factor into his estate plan, including the importance of naming beneficiaries on his accounts and strategies to help reduce estate taxes. With his needs clarified, Thomas was able to create estate plan documents to ensure his wishes would be carried out correctly.

Thomas found the following Fidelity resources helpful: