Retirement & Planning

Planning for Retirement

Whether you have 30 years until you retire or you're already retired, we have products to help you build and maintain your income for when you'll need it most. You can always use our calculator to see just how you're doing and whether to explore other options.


Retirement is more than ten years away


We’ll help you create a long-term investment strategy, using IRAs and other retirement-appropriate vehicles. At this stage, we’ll help you make sure you’re saving properly and that your investments are well diversified.


You're planning to retire within ten years


With retirement looming on the horizon, your Financial Advisor will analyze your portfolio and work with you in making any adjustments if you need to catch up to stay on target.


You've arrived at the year of your retirement


You’ve saved and sacrificed for retirement, and now it’s here. At this point, you'll need to make some very big decisions: When to start taking Social Security payments, when and how to roll over your 401(k) and above all, when to start receiving distributions from your retirement account. We can provide you with the information you need in order to make these decisions.


You're in retirement with increasing assets


Now you've retired and you have the good fortune of increasing assets in your retirement account. Your Financial Advisor will help you manage these assets and help you find valuable resources if you need to create a plan for passing your wealth on to your heirs.


You're in retirement with decreasing assets


You've retired on target with enough funds to provide a comfortable level of income, but you have unexpected costs, such as elder care for your parents or support for your post-college children. Your Financial Advisor can help you create an approach to meet your changing needs.

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The Chase GAP AnalysisChase Investments has a number of exclusive tools that help us guide you as you plan for retirement. For example, your Financial Advisor will perform a GAP analysis. We'll take a look at your expected "must meet" expenses during retirement, such as rent or mortgage payments, taxes and health care. Then, we'll examine your expected discretionary expenses, such as hobbies, travel and entertainment costs. After that, we'll measure your guaranteed income from sources such as investment payouts or Social Security. If we identify a "GAP" between your expenses and your guaranteed income, we’ll help you select appropriate investments that can help fill your income gap.

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Retirement Planning CalculatorUse our Retirement Planning Calculator to help determine if your Retirement income and assets will be sufficient to meet your financial goals.

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Important Milestones

  • Once you reach age 50, you can be eligible to make special yearly “catch-up” contributions to your IRAs and 401(k).
  • At age 55, under certain conditions, you may be eligible to take IRS penalty-free withdrawals from your 401(k).
  • Once you reach age 59 ½, you can begin to take distributions from your Traditional IRA, and in certain cases your Roth IRA, without IRS penalty.
  • At age 62, you can begin taking your Social Security retirement benefits. However, you’ll receive more money if you wait until a later age.
  • At age 65, you can qualify for Medicare.
  • Once you attain age 70 ½, you are required to begin taking minimum distributions annually from your Traditional IRA.
Age to receive full Social Security benefits
Year of birth Full retirement age
1943-1954 66
1955 66 and 2 months
1956 66 and 4 months
1957 66 and 6 months
1958 66 and 8 months
1959 66 and 10 months
1960 and later 67
Note: People who were born on January 1 of any year should refer to the previous year.
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