Retirement Planning Strategies
As you think about this new adventure called retirement, make certain that you are as prepared as possible.
Besides the many wonderful benefits, retirement also brings many complex challenges related to finances, health care, investments, family, and other important issues.
- Where will I live? Should I (we) downsize or move?
- What will I do? Should I work part-time, volunteer, or take up hobbies?
- How much money will I need? What are my expenses likely to be in retirement?
- How much money do I have? Where is all my money, should I consolidate, is it invested properly?
- What are my likely health-related issues? What should I expect regarding my health and health care
issues? - When should I start taking Social Security? If I retire early, should I take it as early as possible? What if
I am still working at full retirement age? - What is the smartest way to utilize my TSP or 401(k)? How do I make this money last a lifetime? Can I
invest differently and just take the minimum Required Distributions to pass on more to my children? - What about my other investments? Which accounts should I utilize first, and how do I minimize taxes?

So Much To Consider
There are many other topics you will need to address, such as those related to family and elder care, the tax implications of Individual Retirement Arrangements (IRAs) and retirement plan withdrawals, and whether you will simply have to work at least part-time.
Retirement Is Complex and There Are No Do-Overs
Get seasoned advice from the folks at Hanscom Investment Services, located as Hanscom Federal Credit Union. They have the experience and they work for you.

You might not think of Hanscom Investment Services located at Hanscom Federal Credit Union first, but maybe you should.
Our financial consultants are here simply to help. Their research department is completely independent to help avoid conflict of interest there. Their research opinions and investment advice aim to benefit our customers, not a fund or product company. We just try to give you the best advice we can during our no cost/no obligation consultations to help you pursue your financial goals-not someone else’s.