Retirement Planning

Retirement planning on your terms

Getting serious about retirement starts with a plan. Your plan will be your guide to determine how much you'll need to save, how to make it grow, and eventually, how to turn your savings into retirement income.

If you haven't had time to develop a retirement plan with your financial advisor, or you want to make sure current plans are on track, here is an easy way to get started.

Each of the sections below is designed to help you understand the important steps to be well-prepared for your retirement years. Whatever stage you're at, you can prepare for your future with confidence.

Planning for retirement: Three to 15+ years away

If you are three to 15 years away from retirement, the actions you take now can have a significant impact on your future. The first steps are to outline your goals and envision your lifestyle in retirement. See our tips, practical exercises and checklists.

Retiring soon: One to three years away

With just a few months or years to go, this can be a good time to assess your retirement readiness from a lifestyle perspective. Big changes to your daily life, routines and social network are soon to happen. See our checklists to help you prepare financially and emotionally.

In retirement

If you are already retired, you know that transitioning into a retirement lifestyle can be gentle and gradual or quick and dramatic. In either case, it's important to take stock of how things are going from time to time.

Remember: Work with a financial advisor to plan for the retirement you really want.