Planning for retirement savings and income

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.

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.

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.

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.

This client-facing retirement income worksheet can help them plan ahead by reviewing projected retirement income and expenses.

Learn about the concept of real returns and why it must be a focus when saving for retirement, particularly during periods of high inflation.

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.

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.

This client-facing brochure provides an overview of Social Security and urges them to strategize with you on when to file.

This client-facing list identifies 10 things everyone should know before filing for Social Security benefits.

This short client-facing piece helps demonstrate the value that a financial professional can provide when building an optimized Social Security filing strategy.

This quick reference guide details Social Security facts, eligibility requirements, tax rates, and benefit information.

This client-facing report looks at the future of Social Security and considers other means of guaranteeing income in retirement.

This client-facing piece explains the earnings test for some who file for Social Security but continue working.

This short client-facing piece helps explain the two provisions that reduce Social Security benefits for many government workers and their spouses.

This client-facing list identifies potential mistakes that women should avoid when filing for Social Security.

This client-facing list identifies 6 important rules regarding Social Security benefits for spouses and survivors.

This client-facing list identifies 5 rules that could reduce retired public workers' Social Security benefits.

This white paper explains how some pensions for nonprofit and government employees can affect Social Security benefits.

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.

Help simplify your tax planning conversations with access to the latest savings plan contribution limits and tax brackets, all in one easy reference.

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.

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.

Help your clients make the most of today’s tax rules — and prepare for changes planned for 2026.

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.

This client-facing list of questions will help start the conversation when planning for a taxefficient retirement income strategy.

Take advantage of a market downturn with these 4 key tax-efficiency strategies to help reduce your clients' tax liabilities.

This white paper explores 3 common sequencing options that could minimize taxation while extending the life of your client's portfolio.

This white paper examines the tax-free nature of distributions from Roth IRAs and presents evaluation criteria to consider when discussing a Roth conversion with your client.

Clients with after-tax contributions in their employer retirement plan should carefully consider Roth conversions.

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.

Suzanne's story: Learn how Suzanne and her husband got help from their financial professional to better understand and help minimize income taxes in retirement.

Find out how one recent retiree phased into retirement and worked with his financial professional to plan for tax-efficient income in retirement.

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.