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 | 2.76MB)
• Financial Planning: Secure Your Retirement (PDF | 446KB)
• Retirement Worksheet (PDF | 238KB)
• 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
• The Phases of Retirement

Retirement Plans

IRAs

• I expect to retire in two years at full retirement age. How should I tap into my IRA funds?
• Retirement Savings Plans for the Self-employed
• The Power of Your Beneficiary Election
• Non-Spouse Inherited IRAs: How to Avoid Making Common Mistakes
• IRA vs. Roth IRA: Which is Appropriate and When?
• Can I open an Individual Retirement Account for my granddaughter and maintain control of the funds?
• Can I draw all my money out of my Individual Retirement Account? If so, what is the maximum I can take out?
• If I took more than required payments from an inherited IRA, would I be subject to the 10 percent penalty from the IRS?
• Should we consolidate our accounts into more manageable assets?
• Is a spouse the best beneficiary for an Individual Retirement Account?
• Does it make sense to split my retirement contribution up and put funds in both a 401(k) plan and a Roth IRA?
• What happens when another company takes over my employer-sponsored retirement plan?
• How do I open an IRA?

Roth IRAs

• Strategies for a Roth IRA Conversion
• Roth Strategies and Considerations: 2011 and Beyond
• Should You Undo Your Roth Conversion?
• Roth Conversions in 2011
• When my wife passed away, I inherited her Roth IRA. Do I have to pay taxes on the conversion?
• Are there tax implications to transfer our current Roth IRA into other Roth IRAs?

401(k)/403(b) Plans

• If I participate in my employer-sponsored 403(b) account, is it true that I cannot also make contributions to a standard IRA, regardless of my earnings or amount I am contributing to the 403(b)?
• Avoid Retirement Fail: Strategies for the Under 40 Worker
• Company Sponsored Retirement Plans: Mistakes to Avoid & Solutions for Success
• Exceptions to the Early Withdrawal Penalty
• Cashing Out of Your 401(k) Plan? Understand the Impact First
• I am turning 30 this year. What is the ideal amount I should have in my 401(k)?
• I am 56 years old. If I leave my current employer, can I access my 401(k) funds without paying the 10 percent penalty?
• I work as an independent contractor. Can I open a solo 401(k) and invest in it with my W-2 income?
• Are You Getting the most from Your 401(k)? (Mp3)

Pension Plans

• Should I Take My Pension in a Lump Sum or a Monthly Income?
• Selecting a Pension Option
• Check if Your Defined Benefit Plan is Safe
• Does the Social Security offset for private pension for a person under 62 affect the full Social Security benefit they will receive at age 62?
• What is the best way to start the retirement process again with the rest of our pension money?

Building a Retirement Income Plan

Sources of Income

• Refinancing your Mortgage in Retirement

• Planning Your Retirement Journey

• Retirement Base Income Vehicles
• Retirement Preparation: Save More Now to Live Comfortably Later
• A Simple Strategy for a Retirement Paycheck
• Liability-driven Individual Retirement Planning
• Preserving the Purchasing Power of Your Money During Retirement
• Retirement Income Tax Strategies
• “You May Delay, but Time Will Not”
• Retirement Math: How $200 May Be Translated to $66,391
• Planning for Retirement in Today’s World
• Planning For Retirement – Will You Be Prepared?
• Retirement Income and Difficult Choices
• How Do You Determine What You Will Spend in Retirement?
• Retiring Isn’t a “Do-It-Yourself” Project
• The Big Day Has Finally Arrived. Retirement! What to do Now…

Investment Tips

• Contribution Limits, Some Good News for Savers in 2013
• 20 Keys to Being a Smarter Investor Brochure (PDF | 582KB)
• My Brain Made Me Do It
• The Retirement Journey: Stay on Course
• One-stop Retirement Planning: Taking a Look at Target Fund Changes
• Protecting Your Bond Investments from a Downturn
• The Company Retirement Plan: Where the Employee is the Portfolio Manager
• What is Your Risk Tolerance?
• Time to Rebalance?
• How do I choose which stocks to sell and when should I sell them?
• Aside from direct investments, what choices do I have for saving efficiently for my retirement?
• What is the difference between a money market and a Roth IRA and which would be best to invest in?
• How does a variable annuity work?
• Why Your Portfolio is Probably Due for a Tune-Up (Mp3)

Social Security

• Retirement Fire Drill
• Decisions, Decisions
• Am I better off taking Social Security when I turn 62 or waiting until age 64 or 65?
• Social Security Income’s Tax Implications
• Social Security: To Maximize Payments or To Maximize Income?
• No COLA for Social Security: Planners Provide Guidance
• When Should You Take Social Security?
• Social Security Benefits Maximization for Couples
• Social Security Benefits — Do Your Homework
• Planning for Social Security Retirement Benefits
• Know What Your Plan is with Social Security
• Navigating the Social Security Waters & Determining When to Drop Anchor
• Can I draw disability benefits even though I have been drawing Social Security?

Women & Retirement

• Women: Don’t Let the Death of a Spouse Derail Retirement
• Top 5 Reasons Why Women Face More Risk in Retirement
• Women's Retirement Planning Imperative: Funding Long-term Care Costs
• Set The Stage for Your Retirement: Four Financial 'Must-Dos' for Every Woman

Health Care

• Five Reasons to Keep Your Life Insurance During Retirement
• Should I Replace My Life Insurance Policy?
• Should You Buy Long-term Care Insurance?
• Choosing Your Retirement Health Coverage

Additional Resources

• Retirement Fire Drill
• How To Be Happy In Retirement
• Is Retirement Broken? Inconceivable!
• London Calling: Should You Retire Overseas?
• 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.
• 5 Questions Before You Quit
• Retirement Goals: Start at the Beginning
• How to Minimize Anxiety and Maximize Security as You Approach Retirement
• Should I Own Life Insurance in Retirement?
• Prioritizing Retirement Decisions
• An Earlier Retirement for Public Employees: 9 Risk Factors to Review
• Maximizing Your Time in Retirement
• Survey Says: Retirement Confidence?
• Should You Move When You Retire?
• 7 Signs It’s Time to Retire
• Financial Confidence in Retirement: 10 Planning Mistakes to Avoid
• Handling Conditions within Longevity
• Behind on Saving for Retirement? Tips for Catching Up
• 10 Reasons People Fail to Plan for Retirement
• Are You Inheriting an IRA?
• How do I find financial advice that is not based on what an adviser is selling?
• I’m 40 and want to start saving better for retirement, but I’m tight on my budgeting and income. What can I do?
• What is the best and safest way to start saving for my retirement?
• I just turned 57 years old and do not have a retirement plan in place. What can I do at this late stage in the process?
• Are You Ready for Retirement? (PDF | 15KB)
• How a Financial Planner Can Help You ... and How to Choose the Right One Brochure (PDF | 2.59MB)
• Countdown to Retirement (Mp3)
• The Changing Face of Retirement (Mp3)