Retirement Accounts

You have pressing questions. Will my savings last through my retirement years? How should I allocate my retirement savings between taxable, tax-deferred, and tax-free accounts? What is the most efficient way to start drawing down my assets? And how much do I need to set aside for healthcare costs? Your Janney Financial Advisor can help you put a retirement savings or retirement income plan in place to address these and other important concerns.

The risks you will face in retirement — longevity risk, inflation risk, sequence of return risk and healthcare cost risk — are very different from the risks you face during your earning years.

Retirement savings and income solutions

Whether you’re looking to get the most out of your tax-deferred savings opportunities or ensure that you convert your retirement assets into income tax-efficiently, we have the solutions, insights, and experience to help you achieve your goals while protecting against new retirement-related risks. Janney can assist you with:

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Traditional individual retirement accounts (IRAs)

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Roth IRAs

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Rollover IRAs

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SEP and simple IRAs

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Annuities

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Systematic withdrawal programs

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Bond ladders

Need to save more for retirement? Don’t forget that if you’re age 50 or older, each year you can make an additional “catch-up contribution” of $6,000 to your workplace retirement plan, along with an extra $1,000 contribution to your IRA.

It is important to carefully consider all of your options and individual circumstances when evaluating your choices. Generally, there are four options to consider; note that features, benefits, fees, and expenses vary significantly among employer plans and IRA offerings and not all options discussed below will be available in all circumstances.

  • Leave money in the existing plan
  • Roll the funds into an IRA
  • Roll the funds into a new employer's plan
  • Cash out your existing employer plan

Talk with a Janney Financial Advisor

You don’t need to go it alone. Wherever you are on your wealth journey, we can build a tailored financial plan and make recommendations that are aligned with your best interest and unique needs, goals, and preferences. Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.

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