Ask your team for guidance

Click on each photo to see a list of questions you should ask.


Be sure to ask questions of your retirement strategy team. If you work for a company, a great place to start is by talking to your employer or your union. If you’re self-employed, you can seek outside professional advice. Here are some of the key questions to ask.
Questions for your team
Your Employer
Your CPA or Tax Advisor
Your Investment Counselor
Does the company offer a retirement plan?

Does the company contribute to or match employee contributions to the plan?

Does the company offer an automatic payroll deduction option so I can spread my contribution throughout the year?

What retirement benefits will I receive?
Which retirement income sources should I spend first in order to minimize my taxes?

At what age can I begin withdrawing money from a tax-deferred savings plan without incurring a penalty? (Currently, the answer is age 59½.)
How much can I realistically expect to earn on my investments? (Remember: investing always involves risk and there are no guarantees. Some investments carry more risk, and more potential reward, than others.)

How should I allocate my assets to manage my income in retirement while seeking continued growth for my savings?
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If your employer offers a retirement savings plan, contribute to it. If your employer contributes, keep in mind that their contributions can vary year to year, so check with your employer at the beginning of each year.
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