Financial Planning

Retirement Hub: 401k, IRA, Pension, Social Security Guides

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Retirement Hub: 401k, IRA, Pension, Social Security Guides

Last updated: March 2026 | Reviewed by iAdviser Editorial Team

Retirement planning is the most consequential financial project most people will ever undertake. The decisions you make about contribution levels, account types, and claiming strategies compound over decades. A single year of missed 401(k) contributions at age 30 can cost more than $50,000 by age 65. Choosing the wrong Social Security claiming age can reduce lifetime benefits by six figures.

This hub brings together every retirement planning guide and retirement adviser directory on iAdviser. Whether you are just starting to save or are mapping out your withdrawal strategy, the guide you need is below.

Getting Started: Retirement Planning Fundamentals

401(k) and Employer Plans

IRA Accounts

Social Security

Retirement Calculators and Tools

Find a Retirement Adviser Near You

Working with a fiduciary retirement adviser can help you optimize your plan. Browse our city-by-city directory.

Frequently Asked Questions

How much should I have saved for retirement by age 40? A common benchmark is 3x your annual salary by age 40. If you earn $80,000, aim for $240,000 in retirement savings. See Average Retirement Savings by Age 2026 for a detailed breakdown.

Should I choose a 401(k) or IRA? If your employer offers a 401(k) match, contribute at least enough to get the full match first. Then consider an IRA for additional tax-advantaged savings. See 401(k) vs IRA.

When should I claim Social Security? You can claim as early as 62 (reduced benefits), at full retirement age (66-67), or as late as 70 (increased benefits). The optimal age depends on your health, financial needs, and life expectancy. See Social Security Benefits Guide.

Do I need a retirement adviser? Consider one if you have complex finances, are within 10 years of retirement, have multiple account types, or are going through a major life transition. See When Do You Need a Financial Adviser?.

Sources

  • Social Security Administration — ssa.gov
  • Internal Revenue Service — irs.gov
  • Employee Benefit Research Institute (EBRI) — ebri.org
  • U.S. Department of Labor — dol.gov

About This Article

Researched and written by the iAdviser editorial team using official sources. This article is for informational purposes only and does not constitute professional advice.

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