- Introduction
- Retirement Landscape
- Saving
- Spending
- Investing
- Social Security/Health
- Reference
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Disclosures
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Page reference
The retirement equation
Life expectancy probabilities
Life expectancy probabilities for same-sex couples
Managing expectations of ability to work
Older Americans in the workforce
Partially-retired household profile
Fostering well-being in retirement
Income replacement needs vary by household income
Retirement savings checkpoints: household income ≤$90k (Annual savings rate 5%)
Retirement savings checkpoints: household income ≥$100k (Annual savings rate 10%)
Annual savings needed if starting today: Household income ≤$90k
Annual savings needed if starting today: Household income ≥$100k
Benefit of saving and investing early
The benefits of auto-escalation
Tax implications for retirement savings by account type
Diversified sources of retirement funding
Evaluate a Roth at different life stages
Prioritizing long-term retirement savings
Annual emergency reserves
Lack of emergency savings can impact retirement readiness
Liquidity needs peak at mid-life
The toxic effect of loans and withdrawals
Spending and inflation
Changes in spending: partially- and fully-retired households with $250k-$750k investable wealth
Changes in spending: all households with $1m-$3m investable wealth
Spending volatility in retirement
More guaranteed income = less fear of spending (Total retirement wealth $1m-$3m)
More guaranteed income = less fear of spending (Total retirement wealth $3m-$5m)
The 4% rule: projected outcomes vs. historical experience
Effects of withdrawal rates and portfolio allocations
Sequence of return risk: retirement spending
Dollar cost ravaging: timing risk of withdrawals
Taking risk gets harder with age
Consider how to fund your retirement goals
Structuring a portfolio to match investor goals in retirement
Structuring a portfolio in retirement: the bucket strategy
Goals-based wealth management
Impact of being out of the market
Social Security timing trade-offs
Maximizing Social Security benefits: maximum earner
Social Security benefit claiming considerations
Claiming Social Security: decision tree
Debunking Social Security solvency myths
Three steps for Medicare coverage
Rising health care costs in retirement
Maximizing an HSA for health care expenses
Long-term care planning
65 and working: should I sign up for Medicare?
Variation in Medicare Advantage costs
2025 income-related monthly adjustment amounts
Long-term care planning options
Retirement plan contribution and deferral limits: 2024/2025
Disclosures
Cover Page
Page reference
The retirement equation
Life expectancy probabilities
Life expectancy probabilities for same-sex couples
Managing expectations of ability to work
Older Americans in the workforce
Partially-retired household profile
Fostering well-being in retirement
Income replacement needs vary by household income
Retirement savings checkpoints: household income ≤$90k (Annual savings rate 5%)
Retirement savings checkpoints: household income ≥$100k (Annual savings rate 10%)
Annual savings needed if starting today: Household income ≤$90k
Annual savings needed if starting today: Household income ≥$100k
Benefit of saving and investing early
The benefits of auto-escalation
Tax implications for retirement savings by account type
Diversified sources of retirement funding
Evaluate a Roth at different life stages
Prioritizing long-term retirement savings
Annual emergency reserves
Lack of emergency savings can impact retirement readiness
Liquidity needs peak at mid-life
The toxic effect of loans and withdrawals
Spending and inflation
Changes in spending: partially- and fully-retired households with $250k-$750k investable wealth
Changes in spending: all households with $1m-$3m investable wealth
Spending volatility in retirement
More guaranteed income = less fear of spending (Total retirement wealth $1m-$3m)
More guaranteed income = less fear of spending (Total retirement wealth $3m-$5m)
The 4% rule: projected outcomes vs. historical experience
Effects of withdrawal rates and portfolio allocations
Sequence of return risk: retirement spending
Dollar cost ravaging: timing risk of withdrawals
Taking risk gets harder with age
Consider how to fund your retirement goals
Structuring a portfolio to match investor goals in retirement
Structuring a portfolio in retirement: the bucket strategy
Goals-based wealth management
Impact of being out of the market
Social Security timing trade-offs
Maximizing Social Security benefits: maximum earner
Social Security benefit claiming considerations
Claiming Social Security: decision tree
Debunking Social Security solvency myths
Three steps for Medicare coverage
Rising health care costs in retirement
Maximizing an HSA for health care expenses
Long-term care planning
65 and working: should I sign up for Medicare?
Variation in Medicare Advantage costs
2025 income-related monthly adjustment amounts
Long-term care planning options
Retirement plan contribution and deferral limits: 2024/2025
Disclosures
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Updated annually, the Guide to Retirement provides an effective framework for supporting your retirement planning conversations with clients. It includes charts and graphs to help you explain complex topics in a clear and concise manner. A description and audio commentary are available for every slide.
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