Start with your retirement picture
Bring a list of existing retirement accounts, pension estimates, Social Security estimates and the expenses you want your retirement income to cover. Separate essential expenses from flexible goals.
Understand annuity questions
Learn about annuity concepts, accumulation and income features. Ask about fees, surrender periods, access to money, benefit conditions and the insurer behind any contractual guarantee.
Use a scenario to start the discussion
The retirement calculator lets you change spending, other income, inflation and growth assumptions. Use it to identify questions rather than treating a single estimate as a complete retirement plan.
Questions worth asking
Can the calculator tell me exactly what I need?
No. It uses simplified assumptions and does not model taxes, market sequence, longevity or every source of income.
Should I move an existing retirement account?
That decision requires a review of your specific account, costs, benefits, restrictions and alternatives with appropriately licensed professionals.
Retirement information is educational. Annuities are insurance contracts with fees and restrictions; a tax-deferred annuity within a tax-deferred plan adds no additional tax deferral.
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