Let’s talk about retirement planning

When you work with us, you get a lifelong partner – a dedicated financial planner who creates strategies designed to evolve with you. Just fill out the form to get a complimentary guide and take the first step.

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You deserve to move your financial life forward.

Are you retired or getting close to retirement?
You probably have plenty of questions on your mind, and we’re here to help. Your Edelman Financial Engines planner will work with you to build a personal retirement strategy around your goals, your comfort with risk and your lifestyle.

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By submitting this form and providing your phone number, you agree that Edelman Financial Engines may call or text you at the number you provided for transactional communications regarding scheduling appointments and appointment reminders. You are also agreeing to our Terms of Use and Privacy Policy.

Standard text message rates may apply. You may opt out of receiving text messages at any time.

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We're right nearby.

We can connect on the phone, virtually or in one of our 145+ locations nationwide.

Here are some of the questions we can help you answer.

According to a study from 2021*, running out of money in retirement scares most people more than dying. The concern is real, as longer lifespans can mean a retirement that lasts 30 years or more. Generating retirement income that lasts requires careful planning. But it starts with having a sense of when and where you want to retire, and what kind of lifestyle you envision. A financial professional can help you work through these and other questions.

*Reclaiming the Future white paper referenced in article ‘What Happens if I Really Do Run Out of Money in Retirement?’ Retrieved and updated on July 19, 2022, from newretirement.com and allianzlife.com

You can start to receive benefits at age 62, but your monthly benefit rises 8% for each year you wait to start – until age 70, when increases stop. There are lots of factors to consider though, including your need for income, your other sources of income and even your health. Your retirement planner can help you run the numbers and compare scenarios to decide whether earlier or later is right for you.

Disclaimer: Decisions regarding Social Security are highly personal and depend on several factors such as your health and family longevity, whether you plan to work in retirement, whether you have other income sources as well as your anticipated future financial needs and obligations.

Health care is one of the biggest expenses most people will face in retirement. A 65-year-old retired couple today will spend an average of $315,000 on health care, according to a new estimate by Fidelity Investments*. A financial professional can help you budget for health care needs as you create a plan for retirement income and show you why life expectancies make planning even more important for women.

*CNBC (May 2022). Americans can expect to pay a lot more for medical care in retirement. Retrieved on July 19, 2022, from cnbc.com

As you transition to retirement, your planner can help you set up a systematic withdrawal plan to receive monthly income from your investments. How much you take out depends on how much you need to supplement Social Security and other sources like pension income. In some of your accounts, you may also have to withdraw a certain amount each year because of Required Minimum Distribution rules.

If you’re like many people, you want to have enough money to live comfortably through retirement, but also leave something behind for the people you love and the causes you care about. Your retirement planner can help you develop a comprehensive financial plan, consult with in-house specialists in estate and legacy planning, and refer you to an attorney for essential documents you may need, including a will, durable Power of Attorney, living will and living trust.

While it makes sense to reduce your stock market exposure as you move into retirement, there are good reasons to continue investing a portion of your money in a broadly diversified portfolio. Even though you may be able to live comfortably on the nest egg you’ve built, you might live another 20 or 30 years – or more – in retirement. That’s enough time to potentially grow your savings, both for you and perhaps also for your children and grandchildren to enjoy.