Most Americans don't know how much to save and aren't saving enough for retirement, according to numerous polls and experts. Increasing life expectancy has made saving for retirement even more complex. It's never too soon, or late for that matter, to begin.

• Planning for the Stages of Retirement Brochure (PDF | 715KB)
• Financial Planning: Secure Your Retirement (PDF | 446KB)
• Retirement Worksheet (PDF | 213KB)
• Real-world Retirement Planning Webinar

Stages of Retirement

• Getting Started … Your 20s and Early 30s
• Working on It … Your 30s Through Your 40s
• The Home Stretch … Your 50s and 60s
• Retired at Last

Retirement Plans

IRAs

• Non-Spouse Inherited IRAs: How to Avoid Making Common Mistakes
• IRA vs. Roth IRA: Which is Appropriate and When?
• The Return of Required Minimum Distributions
• Congress passes Worker, Retiree, and Employer Recovery Act of 2008, suspends RMDs for 2009
• How can I ensure the growth of my IRA and at what age will I be able to tap into it without penalty?
• What is the minimum needed to open a Roth IRA?
• How do I open an IRA?

IRA Rollover

• Strategies for a Roth IRA Conversion
• Roth Conversions: What is New for 2010 and Beyond?
• Converting Your Roth IRA? Consider These Tips
• Should You Convert Your IRA Plan?
• Is it a good idea to convert my IRA to a Roth IRA?
• Do I have to roll over my 401(k) plan to an IRA?
• Are there tax implications to transfer our current Roth IRA into other Roth IRAs?
• Can I roll over my 401(k) to an IRA? If so, are there any tax implications?
• Should I sell my traditional IRA funds and transfer the money or do an "in-kind" transfer?
• Where should I roll over my deceased spouse's retirement plan?

401(k)/403(b) Plans

• Cashing Out of Your 401(k) Plan? Understand the Impact First
• How can I continue to save when my 401(k) plan is no longer offered through work?
• Should we cut back on 401(k) contributions and begin funding a Roth IRA?
• Should I switch to a money market fund within my 401(k) plan?
• What should I do with a terminated 403(b) retirement plan?
• Should I withdraw from my 401(k) plan to pay off debts?
• How should I allocate my retirement funds in today's volatile stock market and economy?
• Does an investment company require two members to set-up a 403(b) account?
• My company is cutting its match to my 401(k) plan. What should I do?
• Are You Getting the most from Your 401(k)? (Mp3)

Pension Plans

• Receive Pension Benefits? Get More Money!
• Underfunded Pension Plans
• Pension Payout Options
• Check if Your Defined Benefit Plan is Safe
• What is the best way to start the retirement process again with the rest of our pension money?
• Which option of my Pension Equity Plan Benefit Summary makes the most financial sense?
• Can I receive my pension in a lump-sum? Where should I invest it?

Building a Retirement Income Plan

Sources of Income

• Retirement Runway: Calculating and Securing Income
• Withdrawal Rates: Rules of Thumb to Spend Wisely
• Save 20% Toward Retirement
• Retired? Six Wealth Building Strategies
• Retiring Soon? Time to Think About Your Savings
• Secure Your Retirement Savings
• Tips to Salvage Under-Funded Retirement Savings
• Saving for Retirement? Guarantee a Lifetime Income
• When You Add Up the Numbers on Retirement, It Pays to Save Now
• Reverse Mortgages - A Funding Source for Retirement?
• Are reverse mortgages a valid vehicle for seniors 62 and older?
• How should we fund our retirement?
• I have no income and need a monthly check for my living expenses. What is the best way to handle my situation?

Investment Tips

• 20 Keys to Being a Smarter Investor Brochure (PDF | 215KB)
• The Company Retirement Plan: Where the Employee is the Portfolio Manager
• Target-date Funds – Look Beneath the Surface
• What is Your Risk Tolerance?
• Withdrawing Bonds First from Retirement Portfolio Not a Good Idea These Days
• Index Funds and ETFs — New Investment Strategy?
• Diversification Can Help You Reduce the Odds of Losing
• Too Diversified? Not Diversified Enough? When is Diversification Just Right?
• Tips to Rebalance Your Portfolio
• Tweak Your Portfolio for Inflation
• Adverse to Risky Investments? Make Sure Your Investments are Really Safe
• Are Annuities Good for Your Retirement Plan?
• Should we manage our own portfolio?
• Should I pull money from a brokerage fund and add it to my annuity for another 10 years?
• Would it be wise to move a moderately aggressive asset allocation fund?
• Can I receive my pension in a lump-sum? Where should I invest it?
• Would it be wise to switch to fixed index annuities?
• Why Your Portfolio is Probably Due for a Tune-Up (Mp3)

Social Security

• Social Security Benefits Maximization for Couples
• Social Security Benefits — Do Your Homework
• Social Security Benefits Rise in 2009
• When Should You Start Taking Social Security?
• Calculate When It Makes Sense for You to Take Social Security
• Are Social Security buybacks a good idea?
• Is it wise to begin drawing Social Security at full retirement age?

Additional Resources

• Retirementology: Rethinking the American Dream in a New Economy
  This book will challenge you to examine your psychological relationship with your finances and offer information that can help get you on track or back on track to retirement.
• How Can I Afford Retirement?
  This video series will teach participants to make informed choices, recognize and avoid investment fraud, and manage their retirement finances effectively.
• The Road to Retirement: You’re in the Driver’s Seat
• Retirement is Risky Business
• Women's Retirement Planning Imperative: Funding Long-term Care Costs
• Don't Forget to Audit Your Beneficiary Designations
• Set The Stage for Your Retirement: Four Financial 'Must-Dos' for Every Woman
• Navigate Your Retirement
• It's Not All About the Numbers — The Emotional Side of Planning for Your Retirement
• Choosing Your Retirement Health Coverage
• What Will Happen To Your Retirement Values in 2010?
• Market Cycles and Your Retirement
• Time to Make Saving for Health Care a Priority
• Confidence about Retirement to Record Low
• 10 Ways to Ruin Your Retirement
• Should You Delay Your Retirement?
• Close to Retirement? Finish the Race Strong
• Why Women Need to Save More for Retirement
• Saving for College and Retirement? How to Save for Competing Priorities
• Employee Health Care Plans and Your Retirement
• 8 Gardening Tips for Growing a Healthy Retirement
• Tips to Retire Debt Free
• Fearful of Retirement Account Balances?
• Are You Ready for Retirement? (PDF | 15KB)
• How a Financial Planner Can Help You ... and How to Choose the Right One Brochure (PDF | 640KB)
• Countdown to Retirement (Mp3)
• The Changing Face of Retirement (Mp3)