Retirement income planning
Whether you're already retired or getting close to it, we can help you create a plan to manage your money in retirement.
Maximizing your Social Security benefitWhen to claim may be one of the most important retirement decisions you can make. If you can claim, you can start as early as age 62, wait until the full retirement age of 67, or collect the maximum benefit at age 70.
Learn more and estimate your benefit
Investments that can help you generate incomeAs you retire, think about whether your investment goals and risk tolerance have changed. There are many income-investment options available to help meet your needs.
Additional retirement resources
Investing involves risk, including risk of loss.
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Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction.
A qualified distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½ or older, disability, qualified first-time home purchase, or death.
Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.