Retirement Planning Hub
Build your secure retirement future with professional planning tools and strategies
Retirement Calculator
Calculate Your Retirement
Your Retirement Projection
Recommendations:
- • Consider increasing monthly contributions
- • Catch-up contributions may be needed
- • Diversify investments across asset classes
- • Review and adjust annually
- • Consider tax-advantaged accounts (401k, IRA)
Enter your information and click Calculate to see your retirement projection
Age-Based Portfolio Strategies
Growth-Focused
Maximum growth potential
Balanced Approach
Growth with stability
Conservative
Income and preservation
Portfolio Allocation by Age
See how your asset allocation should evolve as you age. The general rule: subtract your age from 100 to determine your stock allocation percentage.
Retirement Account Types
| Account Type | 2025 Limit | Tax Treatment | Withdrawal Rules | Best For |
|---|---|---|---|---|
|
401(k)
Employer-sponsored
|
$23,000
+$7,500 catch-up (50+)
|
Traditional: Tax-deferred Roth: After-tax |
Penalty before 59½ RMDs at 73 |
High earners with employer match |
|
Traditional IRA
Individual account
|
$7,000
+$1,000 catch-up (50+)
|
Tax-deductible Tax-deferred growth |
Penalty before 59½ RMDs at 73 |
Tax deduction today |
|
Roth IRA
Individual account
|
$7,000
+$1,000 catch-up (50+)
|
After-tax contributions Tax-free growth |
Contributions anytime No RMDs |
Young investors, tax-free growth |
|
SEP-IRA
Self-employed
|
$69,000
25% of compensation
|
Tax-deductible Tax-deferred growth |
Penalty before 59½ RMDs at 73 |
Self-employed, business owners |
Retirement-Focused Market Data
Track key assets for long-term retirement planning
S&P 500
+1.23%10-Year Treasury
-0.05%Total Market
+0.89%REITs
+0.67%Retirement Planning Tips
Start Early
The power of compound interest works best with time. Starting at 25 vs 35 can mean hundreds of thousands more at retirement.
- • Begin with any amount
- • Increase contributions gradually
- • Automate your savings
Employer Match
Always contribute enough to get the full employer match - it's free money that can significantly boost your retirement savings.
- • Contribute at least to match
- • Understand vesting schedules
- • Maximize employer benefits
Diversify Investments
Spread risk across different asset classes, sectors, and geographic regions to optimize returns while managing risk.
- • Mix stocks, bonds, REITs
- • International diversification
- • Rebalance regularly
Tax-Advantaged Accounts
Maximize contributions to 401(k), IRA, and Roth accounts to benefit from tax deferrals or tax-free growth.
- • Maximize annual limits
- • Consider Roth conversions
- • Use catch-up contributions
Regular Reviews
Review and adjust your retirement plan annually. Life changes, market conditions, and goals evolve over time.
- • Annual plan review
- • Adjust for life changes
- • Monitor progress to goals
Healthcare Planning
Factor in healthcare costs, which can be significant in retirement. Consider HSAs and long-term care insurance.
- • Estimate healthcare costs
- • Maximize HSA contributions
- • Consider long-term care