FORUM Private Client Group

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Fishers, IN 46037

Basic Retirement Planning

Retirement Planning — The Basics
You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for your retirement years. To make matters worse, few employers today offer a traditional company pension plan that guarantees you a specific income at retirement.
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Estimating Your Retirement Income Needs
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. By doing a little homework, you'll be well on your way to a comfortable retirement.
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Saving for Your Retirement
You have several options for saving for your retirement. How do you know what to do? Here's one common approach.
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Traditional IRAs
A traditional individual retirement account or individual retirement annuity (IRA) is a personal savings plan that offers tax benefits to encourage retirement savings. Funds in a traditional IRA grow tax deferred until they are withdrawn. Contributions may be fully or partially tax deductible, depending on certain factors.
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Roth IRAs
A Roth individual retirement account (IRA) is a personal savings plan that offers tax benefits to encourage retirement savings. Contributions to a Roth IRA are not tax deductible, but the funds grow tax deferred and qualified distributions are tax free.
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Comparison of Traditional IRAs and Roth IRAs
Table comparing traditional and Roth IRAs.
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401(k) Plans
Advantages and tradeoffs of 401(k) plans.
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Differences Between a Roth 401(k) and a Roth IRA
Table comparing Roth 401(k)s and Roth IRAs.
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Advantages and disadvantages of using annuities for retirement savings.
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Investing for Retirement
A well-diversified portfolio can help balance risk. The earlier you start investing, the more you can contribute over the course of your working lifetime. By starting early, your investments will have a longer period of time to compound.
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IMPORTANT DISCLOSURES Broadridge Investor Communications, Solutions, Inc. and FORUM Private Client Group are separate and unaffiliated entities. Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

This communication is strictly intended for individuals residing in the state(s) of AL, AZ, CA, FL, IL, IN, MI, SC, TN and TX. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2020.