Resources > Articles Mapping Out Your Retirement Savings Plan

February 23, 2015

The road to retirement takes different twists and turns for each of us, and navigating what is unfamiliar territory for many can seem intimidating. With a bit of education and careful planning, though, the road ahead is much more manageable. That's where we come in.

Your first step to managing your retirement plan should be to determine what phase of the journey you're on. To make it easy, we've broken up retirement planning into four general phases:

  1. Beginning to Save: If you haven't started to save for retirement, now is the time and here's where to start.
  2. Actively Saving: Already contributing? Take advantage of opportunities to maximize your savings and meet your goals.
  3. Preparing to Retire: With retirement on the horizon, understand what it will take to be on track to retire on your terms.
  4. Already Retired: Enjoying the fruits of your savings already? Make your money last and maximize your retirement.

Once you've identified where you fall, you can browse through our expert guidance tailored to that phase. Learn about saving options, strategies to help you stay on track, guidelines and regulations to be aware of, and more. A checklist is included in each section to help you transition to the next phase of saving.

Expand your understanding outside of these phases with our suite of tools and resources. Our library of articles allows you to go even more in-depth with retirement-specific topics, and our specialized calculators let you plug in your numbers to get an accurate picture of things, like where your savings stand or what your retirement income may be.

Mapping out the route you're taking toward retirement can help ensure you reach your destination successfully and with enough savings to live comfortably when you get there. Rest assured, whatever route you take, we can be your co-pilot.


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Investors should carefully consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This and other information about municipal fund securities is available in the issuer's official statement which can be obtained directly from the issuer, or if distributed through a broker dealer, may be obtained from a financial adviser, and should be read carefully before investing.

An investor should consider, before investing, whether the investor's or designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program.

If a municipal fund security describes one or more of their investment options as having the characteristics of a money market fund, it is important to know that an investment in the security is not insured or guaranteed by the FDIC or any other government agency (unless such guarantee is specifically provided by or on behalf of such issuer) and, if the security is held out as maintaining a stable net asset value, that although the issuer seeks to preserve the value of the investment at $1.00 per share or such other applicable fixed share price, it is possible to lose money by investing in the security.