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    • Planning for retirement savings and income

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    Retirement income planning doesn’t have to feel overwhelming for you or your clients. From foundational income sources to health care considerations and legacy planning, our resources are designed to help you explain how the right pieces can come together to support a more confident retirement.

    Explore insights and tools you can use to guide meaningful conversations, and share this brief educational video with clients before, during or after your meetings to help them better understand retirement income planning.

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    Research by Wade Pfau and Michael Finke shows that a client's satisfaction with their experience in retirement can be boosted by having additional guaranteed income. This video explains why.
    Many clients find it jarring to switch from accumulating wealth to spending it, and they worry their unique needs won't be met. This video explains the value of a personalized approach.
    Will your approach to retirement income meet each client’s unique needs? This video discusses how integrating guaranteed income 
can help.
    Dr. Wade Pfau’s research has identified 4 client preferences for retirement income strategies. This video sheds light on which of the 4 strategies is likely to be suitable for a particular client.
    Follow these steps to support your retiring clients with a personalized income plan that includes consideration of protected income strategies.
    Learn how protected income can support clients facing greater longevity or investment risk.
    Wade Pfau and Michael Finke reveal the ideal amount of monthly guaranteed income that empowers retirees to spend with confidence.
    Wade Pfau and Michael Finke, professors from The American College of Financial Services, explore why retirees gain confidence with increasing levels of guaranteed income.
    Offer your clients 5 key steps to help set them up for success and avoid running out of money later in life.
    For clients
    In his white paper, Wade Pfau, Ph.D., identifies that 2 out of 3 clients seek a strategy that includes income protection. Learn common factors to develop income plans that better meet client needs.
    Retirees with higher levels of protected income spend, on average, twice as much as those who don't. Learn Wade Pfau's key reasons why in his white paper summary.
    Retirement educator Steve Vernon, FSA, shares how a diversified portfolio that includes protected lifetime income can help better satisfy the complex needs of today's retiring clients.
    This strategy can help clients bridge the gap between their targeted retirement age and their projected income needs.
    Retirement educator Steve Vernon shares strategies that can reduce the impact of surprise expenses.
    Retirement educator Steve Vernon recommends asking these questions to ensure that your income plans meet client goals.
    For clients who have undersaved for retirement, share our case study from acclaimed retirement educator Steve Vernon on the benefits of a phased or delayed retirement.
    For clients
    This client-facing retirement income worksheet can help them plan ahead by reviewing projected retirement income and expenses.
    For clients
    Clients often have big goals for retirement, yet may not know what those goals would cost. Use our discussion guide to help you leverage their top priorities to build a more personalized retirement income plan.
    Learn about the concept of real returns and why it must be a focus when saving for retirement, particularly during periods of high inflation.
    For clients
    In the face of volatile markets, consider these two tests to the 4% rule to help ensure that it provides a lifetime of desired income.
    This stand-alone fact finder is intended to be completed by clients and returned to Nationwide by the financial professional in order to obtain a personalized filing strategy comparison that will show clients how to file for benefits so that they can optimize their Social Security income in retirement.
    For clients
    This guide, which is intended for client seminar attendees, helps identify the impacts of optimizing their Social Security benefits by completing the attached fact finder and working with their financial professional to obtain a personalized filing report.
    For clients
    This client-facing brochure provides an overview of Social Security and urges them to strategize with you on when to file.
    For clients
    This client-facing list identifies 10 things everyone should know before filing for Social Security benefits.
    For clients
    This short client-facing piece helps demonstrate the value that a financial professional can provide when building an optimized Social Security filing strategy.
    For clients
    This quick reference guide details Social Security facts, eligibility requirements, tax rates, and benefit information.
    For clients
    This client-facing report looks at the future of Social Security and considers other means of guaranteeing income in retirement.
    For clients
    This client-facing piece explains the earnings test for some who file for Social Security but continue working.
    For clients
    Share these client-facing insights encouraging women to obtain a personalized Social Security filing strategy.
    For clients
    This client-facing list identifies 6 important rules regarding Social Security benefits for spouses and survivors.
    For clients
    Share with impacted clients these key considerations to start a discussion and help increase their monthly income.
    For clients
    This white paper lists 4 options for a client who has elected Social Security benefits and now realizes that that was a mistake.
    This white paper helps clarify the steps for determining a suriviving spouse's benefit and how to maximize it.
    Gain insights that you can leverage to help clients better understand Social Security's critical role as the foundation of their income in retirement.
    Learn why it's important for clients to wait until full retirement age (FRA) to claim their Social Security benefits.
    Learn how a client's monthly benefit at FRA is calculated and how it can increase or decrease based on decisions they can control.
    Review how to walk a client through this powerful planning tool and ways to use it in your planning conversations.
    Hear how our powerful planning tool can help you offer a more detailed and personalized filing strategy recommendation.
    Clients nearing retirement should consider tax-planning moves now that can help lead to a more tax-efficient future. Encourage clients to review our checklist and set up time with you to discuss it.
    Help simplify your tax planning conversations with access to the latest savings plan contribution limits and tax brackets, all in one easy reference.
    This fillable worksheet and client-facing guide provide both a self-assessment of retirement savings and insights about how tax diversification now can help provide tax efficiency later.
    For clients
    Nationwide's tax-efficient retirement income program will help deepen your knowledge of how tax-efficient income strategies can benefit your clients.
    This client-facing list offers 10 tips to help build a tax-efficient retirement income plan, avoiding higher tax brackets and reducing unintended taxes.
    For clients
    Learn how the Effective Marginal Rate (EMR) better reveals the true tax cost of retirement withdrawals — and how EMR-aware planning can help improve tax savings.
    Learn steps that help generate meaningful tax savings for clients and take into account personalized preferences for income security in retirement.
    Take advantage of a market downturn with these 4 key tax-efficiency strategies to help reduce your clients' tax liabilities.
    In his white paper, author Joe Elsasser, CFP®, outlines the tax impact of each additional dollar of income withdrawn in retirement. His proprietary tax maps show how to strategize each client's annual plans for tax savings and income security.
    Many clients don’t realize that a portion of their benefits may be subject to taxation, but careful planning can reduce the impact. Read our white paper for thoughtful strategies.
    This white paper explains the opportunity and how to fully take advantage of two types of Roth accounts: designated Roth accounts inside a qualified plan and Roth IRAs.
    Whether helping clients save for or generate income in retirement, learn how integrating tax-planning conversations can help add considerable value to client relationships.
    There are many misconceptions about the tax implications of retirement income. Learn how the various sources of retirement income work and how they can work together as clients save for retirement.
    While a lot of focus is put on reducing taxes owed during our careers, not as much time is spent considering tax implications on retirement income. Learn how strategic moves made today can help clients diversify where they're saving and save on taxes owed over time to provide added tax savings throughout retirement.
    The order in which retirement assets are distributed can have a considerable impact on your clients’ retirement income. Learn how to help clients achieve their income goals while also saving money on taxes and extending the life of the portfolio.
    Nationwide's Retirement Savings Worksheet can be a powerful tool to help review and assess the location of a client's savings and potentially help uncover a more complete view of a client’s assets. Learn how to use it to highlight opportunities and options that can improve tax efficiency.

    Featured retirement savings solutions

    Pensive woman looking off into distance
    Social Security 360 Analyzer®
    Use Nationwide’s Social Security 360 Analyzer to review and compare up to 4 Social Security filing strategies.
    Closeup of two pairs of hands, one holding a form and the other pointing at it
    Retirement savings calculator and client guide (PDF)
    This fillable worksheet and client-facing guide provide both a self-assessment of retirement savings and insights about how tax diversification now can help provide tax efficiency later.