Clarity for the
Complex Parts
of Retirement
Know Your Retirement Options
Understanding your retirement options begins with learning how different savings accounts are structured. A 401(k) offers tax-deferred contributions through an employer, while Roth and traditional IRAs follow their own eligibility rules and contribution limits. Learning the basics of each account type can provide helpful context as you review your savings programs and the considerations that may relate to your situation.
Things to consider
Retirement Timing Basics
Understanding when you become eligible to retire and how factors like service years and savings programs affect your income can provide useful context as you review your benefits. In many cases, even small timing differences may affect when payments begin or how various calculations are applied.
Retirement Accounts
Your 401(k), IRA, and other retirement accounts each follow their own rules for contributions, withdrawals, and tax treatment. Understanding these elements can provide helpful context as you review your long-term savings. Even small differences in timing or account structure may affect how these programs function, making it important to understand the rules that apply to your situation.
Spousal Benefit Considerations
Retirement often involves understanding how benefits may continue for a spouse or dependent. Reviewing survivor income provisions, health coverage rules, and shared savings programs can provide helpful context as you evaluate your retirement system. Learning how these components are structured offers a clearer view of the considerations that may relate to both you and your spouse.
Your Next Chapter Begins
Your next chapter begins with clear information and a better understanding of how your retirement programs work. As you transition from saving to using your benefits, learning how your 401(k), IRA, and other income sources are structured can provide helpful context. Our educational materials focus on simplifying complex topics and offering clear explanations.
Learn More About Your Options
Exploring your retirement options begins with understanding what programs are available and how they are structured. Our resource center offers articles, guides, and practical tools that explain savings plans, income sources, and long-term considerations in clear, straightforward terms. Take a few minutes to explore these materials and gain a clearer view of the factors that may relate to your situation.
More Resources
Retirement Resources
If you don't know where to start, our retirement education resources introduce you to general concepts you'll need in order to understand how benefit programs and savings options work together. If you want additional information, we can refer you to our network of independent experts.
Income & Benefits Education
You'll learn about the general concepts and retirement rules that will help you understand how different retirement programs and saving options may affect your long term financial stability. If you want additional information, we can refer you to our network of independent experts.
Discover Retirement Basics
Retirement benefits can feel overwhelming. Our articles and guides break it down for you so you can thoroughly understand the factors that are important to your situation. Use our resources at your own pace. Explore our materials and build your knowledge about how all these retirement elements fit together.