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Retired married couple enjoying their retirement with travel

RETIREMENT IS A MAJOR MILESTONE


Let's get you where you want to go.

Retire Your Way

Your Wise With Money Journey is a lifelong pursuit that includes your retirement years. Planning for this phase of life requires a road map that's centered on your goals and lifestyle.

Individual Retirement Accounts (IRAs)

An IRA offers convenience, opportunities and benefits that other savings vehicles don't. Explore how one can help empower your retirement.

IRA OPTIONS

When you open an IRA, you open yourself up to new financial opportunities. With this long-term savings tool, you decide how to invest your contributions. Options include annuities, mutual funds, stocks and bonds.

Two of the most common types of IRA are traditional and Roth. Contributions to a traditional IRA may be tax-deductible; contributions to a Roth IRA are not. Keep in mind, you'll pay taxes on withdrawals from a traditional IRA, whereas you may not have to with a Roth.1

Your financial goals can help you determine which type of IRA works best for you.

IRA ROLLOVERS

A rollover is the process of moving retirement assets – such as one or more 401(k) plans – into a single new account. Most rollovers occur when people change jobs or retire.

There are several reasons you might want to roll assets into a new IRA, including:

  • You plan to retire soon and you need to decide whether to keep assets in your employer-sponsored retirement plan or move them.

  • You have multiple IRAs or 401(k) assets from former employers scattered across different accounts and financial institutions, and you want to simplify your account management, record keeping and tax reporting.
SEP OR SIMPLE IRA

Does your employer offer a retirement plan called a simplified employee pension (SEP) or savings incentive match plan for employees (SIMPLE)? If so, you may have an opportunity to choose an account to be funded through that plan. We can help you find and open a SEP or SIMPLE IRA for your employer-sponsored retirement plan. With a SEP plan, your employer will make contributions to the account. With a SIMPLE plan, contributions may come from you and your employer.

GOT QUESTIONS?

Learn more about preparing for your retirement needs.

The concept of living comfortably in retirement looks different for everyone. That's why no two people can answer this question the same way. In trying to set your retirement savings goal, consider your spending habits and the kinds of activities you'd like to fill your time with. Will you need to save a little – or a lot more – to sustain that lifestyle?

 

For a better understanding of what you'll need to thrive in retirement, try our IncomeMatch® assessment. A Thrivent Financial professional can also help you envision your dream retirement – and embark on a plan to help you get there.

When it comes to saving for retirement, the earlier you can start, the better. But the good news? It's never "too late." Saving later in life is better than not saving at all. If you find yourself needing to play catch-up, options like annuities – and even life insurance – may help. Working with a Thrivent Financial professional can guide you toward a retirement you can feel good about – whether you're just starting out or want to strengthen your existing plan.

While it may seem like a wise idea to get more money as soon as possible, keep in mind that the earlier you begin receiving your benefits, the lower your monthly income will be. To determine your best option, you'll want to look at your financial strategy. Pay especially close attention to your assets, your need for a guaranteed income, and how you can expect taxes and inflation to change over time.

A Thrivent Financial professional can help you get a holistic view of your finances, so you can take Social Security when it makes sense for you.

In most cases, Americans 65 and older can begin receiving health insurance through a federal program called Medicare. But Medicare alone won't cover all your medical expenses. You may be responsible for paying out-of-pocket costs associated with deductibles, copayments, coinsurance and more. A Thrivent Financial professional can help you explore solutions to make sure you have all your (medical) bases covered.

MORE TO EXPLORE

Read about topics that are important to you.

HOW TO PREVENT UNEXPECTED EXPENSES FROM BUSTING YOUR BUDGET


You can't necessarily call unexpected expenses "unexpected." They arise for all of us. If you're not prepared for such pitfalls, they can quickly derail your financial life. Having an emergency fund in place can provide valuable protection.

WHAT IS CASH VALUE IN LIFE INSURANCE?


Your insurance strategy can help provide protection and flexibility for you and your family. In particular, cash value life insurance can provide a range of options. And getting cash out of your life insurance may be easier than you think.

YOUR RETIREMENT SAVINGS: HERE'S HOW TO START


It's easy to put off saving for retirement. But as you age, time seems to accelerate. There's a wealth of tools that can help you kickstart a saving plan. And it's better to start now than never to start at all.

1 Distribution of earnings are tax-free as long as your first Roth IRA contribution or conversion was at least five years prior and one of the following requirements is met: 1) you are at least age 59½; 2) you are disabled; 3) you are purchasing your first home ($10,000 lifetime maximum); or 4) the money is being paid to a beneficiary.

Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.

If a taxpayer is younger than 59½ at the time of distribution, a 10% federal tax penalty will apply to the taxable portion of the distribution unless a penalty-tax exception applies.

Thrivent Financial and its financial professionals and employees have general knowledge of the Social Security tenets; however, they do not have the professional expertise for a complete discussion of the details of your specific situation. For additional information, contact your local Social Security Administration office.