Retirement Planning

Compare and find smart Retirement options to unlock your dreams. Whether you’re in the market for an online broker or planning your retirement, there is a path for you.

The right way to invest? It’s up to you.

Everyone has different goals when it comes to their life, their money, and their investment plans. Whether you’re a recent grad, a seasoned professional or contemplating retirement, there is a path for you.

IRA

Individual Retirement Accounts (IRAs) offer valuable tax advantages that individuals can use to save and invest long-term. There are several kinds of IRAs, including traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs.

aCTIVE iNVESTING

Take a hands-on approach and make your first trade or your next trade with active investing. Learn the market as you do-it-yourself.

Passive iNVESTING

Automated investing helps take the stress out of investing by helping you with the hard part like goal setting, rebalancing, and diversifying your money.

Frequently Asked Retirement Questions

What’s the best way to get an accurate estimate of my Social Security benefits?

Request a “Personal Earnings and Benefit Estimate Statement” form from the Social Security office, complete and send it in, and you will receive a record of your wage history and an estimated retirement benefits statement. You can also request a Social Security Statement through the Internet at www.ssa.gov/SSA_home.html.


Is there a way that I can simplify my investing during retirement?

Many investors, over the course of their working years develop numerous investment accounts at banks, brokerages, mutual fund companies, etc. If you can select one investment firm or advisor that meets your needs and you are comfortable working with, it is possible and relatively easy to consolidate your investment holdings.


What are my biggest financial risks in retirement?

For many retired Americans the largest financial risk is the cost of health care, either in hospital, or long-term care provided in a facility or at home. A number of insurance companies offer contracts that can reduce these risks, but the cost of the insurance coverage can be very high. Prior to retirement the risks and the cost of the insurance should be considered within the total financial planning process.


Why should I consider a rollover to an IRA?

An IRA can offer a greater number of investment options to help you pursue your retirement goals. The account can be rolled over tax free to a surviving spouse. Other beneficiaries will be required to distribute assets from the account over a specific time period and distributions will be taxed as ordinary income


I already own life insurance; can I gift this insurance to my children or a life insurance trust?

An insurance policy can be gifted to a trust or heirs, but the donor must survive that transfer by three years or it will be included in the value of the donor’s estate. New purchases of life insurance by a trust or children on the life of a parent or donor may not be subject to this three year rule.


Why should I consider a rollover to an IRA?

An IRA can offer a greater number of investment options to help you pursue your retirement goals. The account can be rolled over tax free to a surviving spouse. Other beneficiaries will be required to distribute assets from the account over a specific time period and distributions will be taxed as ordinary income.