Retirement income planning for the life you want.
Retirement changes the question from “How much have I saved?” to “How will I use it?” Start with a clear picture of your income needs and the resources available to meet them.
Let’s talk about my options
A clearer path startswith the right questions.
Start with what
matters to you.
Map essential expenses and the lifestyle you want.
Bring Social Security, pensions and savings into one view.
Explore the tradeoffs of liquidity, income and protection.
Retirement income
gap calculator
See the difference between what you expect to spend and the monthly income you expect to receive.
Let’s talk about your numbersMake the most of
your conversation.
No need to have everything figured out.
What would a comfortable month in retirement look like?
Begin with housing, food, transportation and healthcare, then add travel, hobbies and other priorities. A spending outline gives your retirement income conversation a concrete starting point.
How much of your spending is covered by dependable income?
List the monthly income you expect from Social Security, pensions and any other sources. Compare that total with expected expenses using the income-gap calculator on this page. Review the assumptions before making decisions.
What money needs to stay accessible for the unexpected?
Identify expenses that might require ready access to money, such as home repairs or family needs. Bring those priorities to the conversation before considering products with withdrawal restrictions.
You don’t need all the answers.
Just a place to start.
Start my retirement conversationA focused conversation about what matters to you.