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Let Us Help You Develop the Road Map to Your Retirement Destination

Whether you want to downsize your home, pursue a new hobby or explore fun adventures during your retirement, Western & Southern can help you plan for the kind of life you hope to enjoy.

Retirement Planning to Help Navigate Your Financial Journey

Before something becomes real, you first have to imagine it — especially when it comes to your retirement. When you look out across the horizon of your life and envision the future, what kind of retirement lifestyle do you see for yourself? Where do you want to live? How do you want to spend your time? Retirement can open up space and time for you to finally work on your passion projects or enjoy fun new adventures No matter what your dreams are, we can help you realize them.

Western & Southern is here to help you develop or adjust a plan to attain your financial goals in retirement so you can live life on your own terms. With effective planning, you can build the financial resources you need to enjoy the freedom you want. We are eager to collaborate with you to listen to and understand your needs, help guide you in considering the most suitable retirement strategies for you, manage your investment portfolio and make necessary adjustments to it along the way as your life and goals change.

start early for retirement planning

Start Early & Pay Yourself First

No matter how old you are, you know saving money takes determination and discipline. Retirement may feel like a long time away, and your daily living expenses always seem to take priority. It takes planning and a certain amount of sacrifice to save, so paying yourself first is a good rule of thumb. The earlier you start, the smaller the amount you'll need to set aside each month. But remember it's never too late to start saving either. 

Let's consider an example1 to illustrate how saving early can help you in the long run. To save $100,000 in 25 years (assuming an 8 percent tax-deferred return), you'll need to save $109.31 each month if you start now. If you wait five years, you'll need $174.62 each month. If you wait 10 years, you'll need to save $294.31 each month — that's $185 more per month to accumulate $100,000. Finding a small amount to carve out of your budget now may be much easier than finding almost double that amount 10 years from now. That's why time can be your best friend in building a secure retirement.
how long will retirement savings last

How Long Will Your Retirement Savings Last?

Do you have enough retirement savings to support the lifestyle you envision? Our quick and easy calculator can help you consider your projected income and expenses to estimate your savings and how long your funds may last. You could also consider some retirement strategies to help you assess the longevity of your assets.
Know Your Facts About Retirement Planning, Strategies & Investing

Take a couple of minutes to learn some helpful facts about saving for your retirement. We can help you develop or adjust your retirement plan so you can attain your goals and live life on your own terms.

Take the Next Step to Help Ensure Your Peace of Mind


Learn More About Retirement Planning

Start with these educational articles to help empower you to make more informed decisions about your financial future.
happy senior couples smiling in the park how to plan for retirement

Thinking About How to Plan for Retirement?

Whether you're looking forward to time with the grandkids, in your workshop or on a sandy beach, your retirement dreams could become a reality.
Understanding some important retirement age milestones could help you better prepare for tomorrow

What to Know at Every Retirement Age Milestone

Age is just a number — and it's also an essential part of retirement planning. Learn more about important retirement age milestones.
happy older couple eating a meal together: when to start saving for retirement

When to Start Saving for Retirement

Learn about the steps you could take to help plan for your future needs — no matter what life stage you're in.

View Our Retirement Planning Video Series

troy brodie discussing why you should pay yourself first in retirement

Why You Should Pay Yourself First

Putting away money for retirement may not be as exciting as buying a new car or going on a trip, but you’ll thank yourself in the future.

What You Should Know
troy brodie discusses sources of retirement income

Sources of Retirement Income

If you’re really serious about preparing for retirement, take it upon yourself to do a great deal of the heavy lifting. 

How to Start
troy brodie discusses why people in their 30s should think about retirement

Why People in Their 30s Should Think About Retirement

It's important to understand that decisions you make today could affect your finances tomorrow. 

Where to Start

Explore Retirement Planning in More Depth

How Much Money Do I Need to Retire?

Are you looking forward to your golden years? Proper planning could help ensure that you'll have enough funds to retire — and stay retired — someday. 

How to Plan for Retirement While You're Young

Retirement might not feel like a priority when it's still decades away, but here's why it might be a good time to start planning.

How to Start Planning for Retirement From Scratch

Are you feeling uncertain about how to start saving for retirement? Learn how you could get on the right track.

What Are the Average Retirement Savings by Age?

Although there are plenty of retirement savings recommendations out there, it can help to know how they typically pan out in reality.

How Much Money Do I Need to Retire at 62?

Seeing as the "official" retirement age doesn't kick in until your mid-60s, 62 is considered an early retirement. Could you still make it work? 

When Will You Start Collecting Social Security Benefits?

Learn more about Social Security and key benefit ages to discover when you could start collecting Social Security. 

How to Save for Retirement & Not Outlive Your Savings

We've got some ideas on saving for retirement and managing your expenses so you don't end up outliving your retirement savings.

How You May Be Able to Retire Early

Contrary to what you might think, you don't necessarily have to wait until your late 60s to retire. Here are some strategies to help you get started.

Preparing for Retirement When It's Just Around the Corner

If you're close to retirement age, consider your goals in order to enjoy retirement to its fullest. We cover the strategies you need. 

3 Common Retirement Mistakes & How to Avoid Them

Retirement may be just around the corner for you, but have you thought about some of the most common financial mistakes retirees make? 

5 Common Retirement Myths Debunked

Don't let these common misconceptions stand in the way of preparing for the retirement you want. 

4 Steps You May Want to Consider When Planning Your Retirement Income

Whether you want steady retirement income to last your lifetime or seek confidence to meet whatever the future holds, establishing a plan is an important step toward guiding your retirement in the right direction.

Are You Prepared for Health Care Costs in Retirement?

It could be impossible to foresee all of your future health care needs, but you could still take steps to prepare for both expected — and unexpected — costs in retirement.

Don't Let Rising Costs in Retirement Blindside You

You may need to save more money for retirement than you think. Costs in retirement could add up quickly, especially when it comes to things like health care. 

Life After Retirement: 5 Ways to Stretch Your Retirement Savings

Is retirement just around the corner? Learn how you could make your strong financial foundation last long after you leave the workforce. 

Why Retirement Planning From Western & Southern?

When it comes to retirement planning and your future financial security, you want to partner with a company known for its financial stability. With solid financial ratings and a heritage of 130 years of financial strength, Western & Southern offers you financial expertise to help determine the right insurance, retirement and investment solutions to meet your goals.
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1 Hypothetical example used for illustrative purposes only. It is not indicative of any specific investment product or strategy. Investments will fluctuate with changes in market conditions so that, when redeemed, shares may be worth more or less than their original cost. Example does not take into consideration the consequence of expenses and fees. Withdrawals on tax-deferred accounts are subject to income tax and may be subject to a penalty if taken prior to age 59½.