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Retirement

Retirement on your terms.

We'll help you make the most of every moment — every step of the way.

01

Your goals come first.

Listening is the first step in our process. We get to know you — helping you prioritize your short- and long-term goals and identifying the outside factors, like rising healthcare costs, that may come into play.

Things to consider while you're planning.

Plan for a long life

Your retirement could last 30+ years. It's best to build it into your strategy.1

Plan for the unexpected

Your retirement may be earlier or later than you think — a flexible strategy is key.

Plan for healthcare costs

Healthcare costs seem likely to continue to rise, so you may want to plan accordingly.

02

We'll meet you where you are.

Planning starts with understanding what you're building on. Together, we'll look at where your investments currently stand and develop a strategy to help you get to where you want to go.

Are you on track?

If you've saved this much, you're on your way to maintaining your current lifestyle in retirement.*

*Assumes you would like to maintain your lifestyle in retirement, that you're saving 5% of your gross income and your retirement age will be 65. 2

03

Invest with a personalized strategy.

Everyone's retirement is different. We'll use our Goals-Based Analysis3 to get the full picture — your cash flow needs, assets, goals, time frame and risk tolerance. These factors help to create an investment strategy that can fit you and your life.

Explore ways to help fund your retirement.

Traditional IRA

Contribute potentially tax-deductible funds now, and pay taxes later. May be best if you think your tax rate will be lower in retirement.

Roth IRA

If eligible, contribute after-tax dollars now for potentially tax-free withdrawals later. May be best if you think your tax rate will be higher in retirement.

401(k) and 403(b) plans

Consider making the most of this account by maxing out your contributions and taking advantage of any employer matching.

General investment Account

Once you've maximized use of your tax-advantaged retirement accounts, consider investing in a taxable investment account.

Social Security

Consider waiting until you've reached full retirement age to start taking Social Security payments as you might receive more in benefits if you delay.

04

Change is built into the process.

The course you set today is just the beginning. Whether you're working directly with a JP Morgan Advisor or investing online, we can help you stay on track as change comes your way.

Protecting Your Assets as You Near Retirement1

Aggressive

Moderate

Conservative

05

Making the most of retirement.

You work hard to save and prepare for retirement. Once you're there, we can help you refine your strategy, like factoring in your retirement income, to help ensure you're making the most of your investments.

Ways we can help you make the transition.

Spending strategy

Get more from your money with a personalized income and spending strategy that takes things like different tax treatments into account.

Receiving benefits

Decide the right time for you to start receiving your Social Security benefits and withdrawing from your 401(k), 403(b), Roth IRA or traditional IRA.

Reducing risk

As you near retirement, consider lower-risk investments, such as bonds, that can produce reliable income to help protect your savings.

put your retirement savings to work in one place

We can help with your rollovers and IRA transfers, too.

learn about rollovers

Here's how we can work together.

Work with a JP Morgan Advisor.

Work one-on-one with a dedicated advisor who will help you design an investment strategy for you and your family's goals.

Connect now

Trade online for free.

Research and manage your investments with unlimited commission-free4 online stock, ETF and options5 trades. No minimum to start.

Open an Account

Invest with our robo-advisor.

Have your portfolio managed with the expertise and technology of JP Morgan, and monitored by our team of specialists to help keep you on track.

Open an Account

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Learn from our experts.

Browse the latest research, articles and insights from JP Morgan specialists to help you make the most of your investments.

A guide to retirement by Katherine Roy.

Our Chief Retirement Strategist, Katherine Roy, has been focused on helping people with their retirement for over 15 years. Explore our latest research and strategies, and her take on current trends.

Still have questions?

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Learn more about our firm and investment professionals at Finra Brokercheck.

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