Financial Disclaimer

The content on Retirement Planning Guide is provided for general informational and educational purposes only. It is not financial advice, and it is not a substitute for personalized advice from a qualified, fiduciary financial advisor who knows your full situation.

Not financial advice

Nothing on this site is a personal recommendation to buy, sell, hold, roll over, convert, or withdraw from any retirement account, investment, or other financial product. Decisions about your 401(k), IRA, Social Security, Medicare, and taxes should be made with a qualified financial advisor or tax professional, or using the free official tools at SSA.gov, Medicare.gov, and Investor.gov, who can take account of your individual circumstances.

Your investments can lose value

Retirement accounts are usually invested, and the value of investments can fall as well as rise. You may get back less than you put in. Past performance is not a guide to future returns, and figures or rules of thumb on this site (such as the 4% rule) are illustrations, not promises.

Figures and rules change

Contribution limits, tax brackets, Social Security amounts, Medicare premiums, and required minimum distribution rules change over time, usually every year, and depend on your own situation. We describe figures as applying to a particular year; always check the current position with an official source such as the IRS or SSA before acting.

No advisor and client relationship

Reading this site, or contacting us, does not create an advisor and client relationship. Our reviewer checks articles for general accuracy; they are not your advisor and cannot advise on your individual case.

Watch for scams

Be cautious of anyone who contacts you out of the blue about your retirement savings, pressures you to move money quickly, or promises guaranteed high returns. See our guide to avoiding retirement scams, and check any advisor or firm on FINRA BrokerCheck or the SEC’s Investor.gov before doing anything.

Accuracy and external links

We make reasonable efforts to keep the information accurate and current, but we make no warranties about its completeness or how it applies to your situation. Any reliance you place on it is strictly at your own risk. External links are provided for convenience and reference; we are not responsible for the content of third-party sites.

Always seek qualified advice

Always seek advice from a qualified, fiduciary financial advisor or tax professional with any questions about your retirement, and never disregard professional advice because of information on this site.