1. Retirement Planning 101

Retirement planning is about more than saving money — it’s about preparing for the life you want after work ends. A strong plan covers both financial and lifestyle goals: where you’ll live, how you’ll spend your time, and when you’ll fully retire.

Your focus changes over time:

• Early career: Start saving consistently to build your foundation.

• Mid-career: Set specific targets for retirement income and assets, and adjust contributions to meet them.

• Retirement years: Transition from saving to spending — turning your lifetime of savings into predictable income you can’t outlive.

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2. Retirement Planning Goals

The earlier you start, the easier it becomes. Everyone’s “magic number” — the amount needed for a comfortable retirement — is different. A few general guidelines:

• Many advisors suggest aiming to replace 70–80% of your pre-retirement income.

• Example: If you earn $100,000 a year, plan for roughly $80,000 per year in income during retirement, or about $1.6 million in total assets for a 20-year retirement.

• Start saving early, stay consistent, and review your plan every few years to adjust for inflation, expenses, and lifestyle changes.

• Our goal is to help you protect what you’ve built and create reliable income that supports your lifestyle long after you stop working.

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3. Speak to a Licensed Insurance Agent

Our independent advisors help you build a personalized retirement strategy using safe, flexible options designed to protect principal, grow tax-deferred, and provide lifetime income. We’ll simplify the process and tailor a plan that fits your goals. ​Speak to an Agent – To see the full list of carriers we work with, click here.