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3. Your Financial Goals
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4. Retirement Planning
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RETIREMENT PLANNING BASICS
Having a comprehensive retirement plan is one of the most important ways to help
ensure financial freedom.
Retirement Planning
1. Retirement Planning
2. Grow Your Wealth
3. Preserve Your Wealth in Retirement
4. Manage Your Estate
YOUR FINANCIAL STRATEGY
The financial services industry is bursting with ideas on creating a retirement
plan, but these recommendations can vary widely based on your age, risk
tolerance, bank-account size, access to Social Security or other personal
details.
With so many options, how do you know the best strategy for you?
Fisher Investments can help. We work to understand your unique financial
situation and investment goals to build an easy-to-understand, comprehensive
retirement plan tailored to you. Our retirement planning experts help you build
a customized plan and keep you on course to achieve your goals.
SEE OUR INVESTMENT GUIDES
The world of investing can seem like a giant maze. Fisher Investments has
developed several informational and educational guides tackling a variety of
investing topics.
See All Guides
* Your Investment Adviser
* Set Your Retirement Goals
* Create Your Retirement Plan
* Investing for Your Retirement
* Approaching Retirement
* Investing After Retirement
Your Investment Adviser
YOUR INVESTMENT ADVISER
Investors often need help to reach their goals. There are many types of
financial service professionals, but how do you know whom to trust? Here’s what
to look for in trusted financial partner.
Find Out What to Look For
Set Your Retirement Goals
SET YOUR RETIREMENT GOALS
Successful retirement planning depends on establishing your financial goals.
Maybe you want to maintain your current lifestyle, increase your wealth or just
avoid running out of money. Here’s what you need to know to get started.
Ready, Set, Go
Create Your Retirement Plan
CREATE YOUR RETIREMENT PLAN
Planning for retirement can be easier when you know what your options are and
how to customize a plan to your specific situation.
Get the Details
Investing for Your Retirement
INVESTING FOR YOUR RETIREMENT
Investing for retirement often means striking the right balance. You need to
find the mix of risk and reward that gives you the best chance of reaching your
retirement goals.
Weigh Your Options
Approaching Retirement
APPROACHING RETIREMENT
A comfortable retirement often means understanding how you will generate income
and manage your finances once you retire.
Take the Next Step
Investing After Retirement
INVESTING AFTER RETIREMENT
Even after you’ve retired, your money will still have to work hard for you.
Learn ways to manage your retirement savings responsibly to help ensure it
lasts.
Find Out More
YOUR INVESTMENT ADVISER
Retirement planning can be stressful. Investors often need guidance to develop a
plan that can achieve their goals. There are plenty of financial service
professionals—including brokers, financial planners, retirement advisers, and
others—who claim to be able to help. But with so many voices, how do you know
whom to trust? And how do you know you’re paying for the right advice?
Fisher Investments helps make retirement planning easy. We offer straightforward
advice with no hidden fees. We structure our fee so we do better when you do
better.
Learn more about what to look for—and look out for—when hiring an investment
professional here.
SET YOUR RETIREMENT GOALS
Establishing your financial goals is the first step to successful retirement
planning. Everyone has unique goals, but most fit into a few broad categories:
* Avoid running out of money: This is a number-one priority—and number-one
fear—for many. Being forced to go back to work or turn to children for income
during retirement can be a source of anxiety for current and future retirees.
* Maintain or improve lifestyle: People work hard for their retirement and want
to enjoy it. As such, a common goal for many is to maintain—or better yet,
improve—their circumstances during retirement.
* Increase wealth: Some folks are able to enjoy retirement without the fear of
running out of money. For these individuals, a goal may even be to grow their
wealth over the long term—potentially to give to children, grandchildren or a
charity.
* Spend everything: This isn’t a typical goal, but some people think success is
spending all of their money before they die. This is a risky proposition.
There’s no way to know how long your retirement will last and it’s common to
underestimate expenses needed in later years.
Your goals may fit one or more of these categories. They may also change as your
circumstances and priorities shift. Having a well-designed, adaptable plan is
what’s important. Clear and regular communication is crucial for success. Our
Investment Counselors provide our clients with ongoing communication and
education opportunities to help ensure their portfolios remain focused on their
specific goals and priorities.
Set Your Goals
CREATE YOUR RETIREMENT PLAN
Preparing for your financial future can seem overwhelming—there are so many
variables to consider. But, retirement planning doesn’t have to be stressful if
approached in the right way. Like any “life-sized” topic, planning how to reach
your financial goals can be easier to tackle in pieces—and with help.
After setting your financial goals, the next critical step in retirement
planning is determining your investment time horizon—the length of time you need
your assets to last. Most people assume their time horizon is the same as their
life expectancy, but this approach ignores some important details. For example,
if you’re married or in a long-term relationship, you should consider your
partner’s time horizon—particularly if your spouse is younger or likely to live
longer. Some investors also want to pass a portion of their wealth to future
generations. In those instances, you should factor in the children’s or
grandchildren’s time horizons. Every situation is unique and a well-planned
retirement accounts for your circumstances.
Another important step in retirement planning is compiling an income and expense
report (if you need cash flow from your retirement accounts.) Better
understanding your income needs in retirement can help you identify any gaps
that may need to be addressed.
Try to incorporate potential tax implications wherever possible. For example, do
you have a traditional IRA or a Roth IRA? Both? What other sources of retirement
income do you expect to have? Do you have a pension? Social Security? Rental
income?
Starting your retirement plan early can increase your chances for success. Don’t
fret about getting everything exactly right in the beginning. Projected
financial information doesn’t need to be completely accurate early on, but the
more data you can incorporate, the more realistic a plan you can make.
Just make sure to review and update your plan regularly. Our experienced
Investment Counselors are there to help our clients create and stick to a plan
designed to fulfill their financial goals.
INVESTING FOR YOUR RETIREMENT
Once you’ve established your goals and time horizon, you can consider the
investments options and account types available to you.
Common types of retirement investments include securities—such as stocks, bonds,
exchange-traded funds (ETFs), mutual funds and other investment vehicles—and
real estate. Each has its own unique characteristics. Some securities like
stocks may offer more growth potential, while others might provide steady
income, such as bonds or real estate. These differences are worth understanding
so you can make informed decisions about where to invest your retirement
savings.
Common retirement account types include traditional 401(k)s, Roth 401(k)s,
traditional IRAs, Roth IRAs, other defined contribution plans and—to a lesser
extent nowadays—defined benefit plans (i.e., pensions). Some investors also
choose to purchase annuities with their retirement savings.
Similar to the types of investments you choose, the account types you select,
along with their tax treatment, can have big implications. For example, Roth
accounts may allow tax-free withdrawals if you meet certain criteria. However,
there are contribution limits that can affect how much you’re able to save.
Few investors fully understand the risks and benefits their investments carry,
what account types to consider or how to apply them to a retirement plan. We can
help. We help our clients understand their investments and which method of
retirement savings leads to the best chance of success.
Your Investment Options
APPROACHING RETIREMENT
As you get closer to retirement, you will likely want to invest more time in
fine-tuning your retirement plan. Investors looking to retire often seek advice
on topics such as retirement income strategies, financial planning and Social
Security.
If you are approaching retirement, you may wonder about the best strategies to
generate income with your investments. The types of securities you invest in
often influence your retirement income options.
Many financial “experts” suggest shifting your assets more heavily toward
income-producing securities, like bonds, as you get closer to retirement. We
believe this guidance is often shortsighted. Investors frequently underestimate
how long their assets will need to last in retirement. We help our clients
understand other ways to generate retirement income while still achieving the
necessary growth for their assets to survive.
Explore Retirement Topics
INVESTING AFTER RETIREMENT
If you have gotten to this step, congratulations! Your hard work has paid off
and you can spend more time focusing on things that matter most in life. Now
that you’ve reached this milestone, do you need to change anything about your
investment approach?
Unfortunately, many investors see retirement as the end of the journey rather
than the important transition period it is. Depending on how old you are when
you retire, you likely have many more years ahead. We help our clients
understand how to manage their retirement savings responsibly to help ensure it
lasts.
Explore Post-Retirement Topics
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In The News On the UK’s Recent Debt Milestone
9/25/2024
QUESTIONS?
If you have questions about Fisher Investments' approach to retirement, or the
current performance of your investments, contact us to request an evaluation.
We can review your portfolio and discuss how our services may be able to help
you reach your goals
Call Us
1-888-823-9566
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