Choose & organize your accounts
Understanding your retirement account options for saving and keeping track of the savings that you already have is critical to retirement planning. Better organization can help simplify your finances, provide peace of mind to your loved ones and help you make better long-term investment decisions.
Understanding retirement accounts
Most people will need more than one account type to save for retirement. Employer-sponsored plans provide a foundation for your savings. Consider IRAs and personal savings for the additional savings opportunities you'll need to live in retirement.
Organize your accounts
Over time, you may accumulate multiple retirement accounts from old employers or from previous times in your life. Whether retirement is near, far or already here, you need to know where your accounts are and what you have in each of them. It's also wise to revisit and update the beneficiaries on your accounts so your intent for the assets is clear.
Consider consolidating retirement accounts
Holding many accounts in different places can unnecessarily complicate your finances. A Rollover IRA can consolidate multiple retirement accounts, potentially saving you money on fees and making it easier to manage your whole portfolio.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
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