A well-designed retirement plan can help you enjoy the post-career lifestyle you desire. Explore financial strategies for how to save and prepare for retirement, leverage retirement savings options when needed, employ tax-diversified investment strategies and create retirement income.

How to plan for retirement

You probably have big dreams for retirement. That’s why comprehensive retirement income planning – for the short, medium and long term – is so important.

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After-tax 401(k) contributions: Are they right for you?

If you’ve maxed out your annual contributions to your employer-sponsored 401(k) plan, there may be a way to continue investing in that account for a larger retirement fund.

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How to consolidate retirement accounts

Keeping track of your retirement accounts can be a challenge. Following these five steps can help you feel more in control.

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Backdoor Roth IRA strategy for high earners

Roth IRAs are typically off-limits to individuals with higher incomes, but a backdoor Roth IRA strategy can put this retirement account within reach.

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Sequence of returns risk and impact on when to retire

Sequence of returns is the risk that you’ll experience negative returns on your investments late in your working years and/or early in retirement. A retirement income strategy may help protect against the impact of market volatility.

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RMD rules: What is a required minimum distribution?

If you have an IRA or have contributed to a workplace retirement plan, it’s vital to know the rules around RMDs, including deadlines and how to calculate required minimum distributions.

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Explore more financial strategies for retirement.

Discover other financial and retirement planning strategies that can help you prepare for the future with confidence.

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Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Wealth Management – U.S. Bank | U.S. Bancorp Investments is the marketing logo for U.S. Bank and its affiliate U.S. Bancorp Investments.

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U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

This information represents the opinion of U.S. Bank and U.S. Bancorp Investments and is designed to be educational and informative. The views are subject to change at any time based on market or other conditions and are current as of the date indicated on the materials. This is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide recommendations and/or specific advice concerning retirement accounts or investment planning. It is not intended to be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

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For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary and Regulation Best Interest Disclosure are available for you to review.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

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