Retirement income planning

Knowing you have a plan to help you move from saving to living. That's The Planning Effect.

Feel more prepared to manage your life in retirement

We can help look at how much you have

What you have saved for retirement, and how much predictable income you'll get from Social Security, pensions, or annuities.* Read 3 keys to an income plan



... and give your money the chance to grow

Include your 401(k), IRA, and other accounts all in one place and see strategies to balance growth potential and help generate income. Explore investment options

... how much you'll need

We'll help you look at the essentials like housing and health care, as well as plan for expenses like travel and hobbies.
See how much you'll need



... all while being smart about taxes

We'll help you determine how and when to make withdrawals so you can potentially keep more of your money in retirement.
Read tax-savvy withdrawals

Key milestones

You're in control of your retirement, but here are some important ages to note.

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Social Security


The earliest you can claim Social Security, but your benefit will be higher the longer you wait.


Explore when to claim


Medicare


The age most people can enroll in Medicare for health care in retirement.


Consider your options


Required minimum distributions (RMDs)


When to start withdrawing from your traditional IRAs, or pay a penalty.


View the rules and deadlines



Build your income plan

A clear, personalized plan can help you feel more secure about the years ahead.
Flexible planning. Growth potential. Guaranteed income.


Already working with us? Schedule an appointment

Don't know where to start when it comes to retirement?
Explore how to make informed decisions on where to live, how to shift strategy, covering health care costs, and more.
Explore the guide

Retirement resources


Consider guaranteed income*


Estimate the income you could receive from a fixed income annuity.


Explore annuities


Estimate your retirement income


See how much you could have every month—and the potential impact to your cash flow.


Estimate your income


Discover the phases of retirement


Learn about the life event we call retirement and how you can prepare for every phase.


Learn about retirement

Invest in your retirement today

Questions? Call  

800-343-3548