Retirement Planning Hub
Build your secure retirement future with professional planning tools and strategies
Optimize Your Retirement Savings
Choose from tax-efficient accounts to maximize your retirement wealth.
Traditional IRA
Tax-deferred growth with potential tax-deductible contributions.
- $7,000 limit ($8,000 if 50+)
- Tax-deductible contributions
- Taxes on withdrawals
- RMDs at 73
Roth IRA
Tax-free growth and withdrawals with after-tax contributions.
- $7,000 limit ($8,000 if 50+)
- No tax deductions
- Tax-free withdrawals
- No RMDs
401(k) Rollover
Consolidate old plans with more investment options.
- No rollover limits
- Tax-deferred status
- Lower fees
- RMDs at 73
Retirement Calculator
Calculate Your Retirement
Your Retirement Projection
Enter your information and click Calculate to see your retirement projection
Age-Based Portfolio Strategies
Growth-Focused
Maximum growth potential
Balanced Approach
Growth with stability
Conservative
Income and preservation
Portfolio Allocation by Age
See how your asset allocation should evolve as you age. The general rule: subtract your age from 100 to determine your stock allocation percentage.
Retirement Account Types
| Account Type | 2025 Limit | Tax Treatment | Withdrawal Rules | Best For |
|---|---|---|---|---|
|
401(k)
Employer-sponsored
|
$23,000
+$7,500 catch-up (50+)
|
Traditional: Tax-deferred Roth: After-tax |
Penalty before 59½ RMDs at 73 |
High earners with employer match |
|
Traditional IRA
Individual account
|
$7,000
+$1,000 catch-up (50+)
|
Tax-deductible Tax-deferred growth |
Penalty before 59½ RMDs at 73 |
Tax deduction today |
|
Roth IRA
Individual account
|
$7,000
+$1,000 catch-up (50+)
|
After-tax contributions Tax-free growth |
Contributions anytime No RMDs |
Young investors, tax-free growth |
|
SEP-IRA
Self-employed
|
$69,000
25% of compensation
|
Tax-deductible Tax-deferred growth |
Penalty before 59½ RMDs at 73 |
Self-employed, business owners |
Retirement-Focused Market Data
Track key assets for long-term retirement planning
S&P 500
+1.23%10-Year Treasury
-0.05%Total Market
+0.89%REITs
+0.67%Retirement Planning Tips
Start Early
The power of compound interest works best with time. Starting at 25 vs 35 can mean hundreds of thousands more at retirement.
- • Begin with any amount
- • Increase contributions gradually
- • Automate your savings
Employer Match
Always contribute enough to get the full employer match - it's free money that can significantly boost your retirement savings.
- • Contribute at least to match
- • Understand vesting schedules
- • Maximize employer benefits
Diversify Investments
Spread risk across different asset classes, sectors, and geographic regions to optimize returns while managing risk.
- • Mix stocks, bonds, REITs
- • International diversification
- • Rebalance regularly
Tax-Advantaged Accounts
Maximize contributions to 401(k), IRA, and Roth accounts to benefit from tax deferrals or tax-free growth.
- • Maximize annual limits
- • Consider Roth conversions
- • Use catch-up contributions
Regular Reviews
Review and adjust your retirement plan annually. Life changes, market conditions, and goals evolve over time.
- • Annual plan review
- • Adjust for life changes
- • Monitor progress to goals
Healthcare Planning
Factor in healthcare costs, which can be significant in retirement. Consider HSAs and long-term care insurance.
- • Estimate healthcare costs
- • Maximize HSA contributions
- • Consider long-term care
Learn About Retirement Investing
Watch these expert videos to understand retirement planning strategies.
Retirement Accounts Explained
Learn the differences between IRA, Roth IRA, 401(k) and other retirement accounts.
Asset Allocation Strategies
How to balance your portfolio based on your retirement timeline and risk tolerance.
Tax-Efficient Withdrawals
Strategies to minimize taxes when withdrawing from retirement accounts.
Retirement Income Planning
How to create a sustainable income stream during retirement.