Pete the Planner: Things to do when nearing retirement

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Overview

Enjoy these brief videos outlining important strategies and considerations as you move closer to retirement. These concepts will help you take the needed actions to prepare successfully for your retirement.

Emotions of Retiring

Pete the Planner discusses how retirement can be part of the flow of life and not an abrupt pivot.

Decumulation

Pete the Planner provides a decumulation strategy that may benefit you by setting expectations each month.

Pete the Planner: Pre-retirement loans

Pete the Planner answers Anna's question on if she should take a pre-retirement loan to purchase a car.

Pete the Planner: Risk and nearing retirement

Pete the Planner discusses things to take into account from a risk standpoint when nearing retirement.

Pete the Planner: It's never too late to start

Pete demonstrates how to start preparing for retirement, regardless of the amount.

Pete the Planner: Retirement plan withdraw options

Pete walks you through possible strategies and considerations for taking distributions from your retirement account.

Overview

Interactive calculators will help you take an active role in your learning and will assist you in developing a proactive plan today to achieve your goals tomorrow.

403(b) 15-Year Catch-up Calculator

Learn about additional opportunities to save for retirement.

Asset Allocation Calculator

Your risk tolerance affects how you allocate your retirement assets.

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

Retirement Income Retirement Income

This calculator can be used regularly to confirm that your retirement strategy is aligned with your retirement goals.

Retirement Income

Overview

All the guides and articles here are jam-packed with ideas on how to address concerns you may have today and how to take the positive steps to improve your retirement for tomorrow. Take the time to read these short topical articles, and then take the next steps to achieve your goals!

5 Options for Your Account When You Retire

Many distribution options are available at retirement: rollovers, asset transfer and selecting income streams.

5 Things to Do When You Are Getting Close to Retirement

You’ve prepared throughout the years. Here are five actions you should take as your retirement gets nearer.

Estate Planning Basics

Help your loved ones now by squaring away your final wishes for the future and having those important conversations on how you want your estate settled.

Exploring Catch-Up Contributions

Catch-up contributions provide a great opportunity to maximize your retirement preparation. Learn more about the different types.

Transitioning From Saving To Spending

Here are a few considerations to help you transition from a savings to spending mindset.

Understanding Social Security

Social Security could be a beneficial retirement income source for you. Learn more about how this program works.

Guide to dealing with debt in pre-retirement

Pete the Planner explains how to pay off debt while preparing for a fast approaching retirement.

Guide to making things easier for your survivors

Pete the Planner's guide to survivor planning.

Guide to the importance of long-term care insurance

Pete the Planner's guide to the importance of long-term care insurance.

Understanding Required Minimum Distributions (RMDs)

Learn more about RMDs and how they may affect your retirement plans

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Nearing Retirement?

You should make some adjustments to reduce your dependency on your income before retiring.

Discover some tips

Check in on Your Progress

Confirm that your retirement strategy is aligned with your retirement goals.

Develop or adjust your approach

Old Retirement Accounts

Don't leave your old accounts behind when you change jobs.

Learn about your options

Net Worth

Net worth is considered one of the ultimate financial metrics to sum up your financial life.

See how to calculate and improve yours

Complementary Content

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Videos

Calculators

Library

Overview

Emotions of Retiring

Decumulation

Pete the Planner: Pre-retirement loans

Pete the Planner: Risk and nearing retirement

Pete the Planner: It's never too late to start

Pete the Planner: Retirement plan withdraw options

Overview

403(b) 15-Year Catch-up Calculator

Asset Allocation Calculator

Retirement Income Retirement Income

Overview

5 Options for Your Account When You Retire

5 Things to Do When You Are Getting Close to Retirement

Estate Planning Basics

Exploring Catch-Up Contributions

Transitioning From Saving To Spending

Understanding Social Security

Guide to dealing with debt in pre-retirement

Guide to making things easier for your survivors

Guide to the importance of long-term care insurance

Understanding Required Minimum Distributions (RMDs)

Web Content Viewer

Web Content Viewer

Web Content Viewer

Nearing Retirement?

Check in on Your Progress

Old Retirement Accounts

Net Worth