Where will your income come from?

Evaluate your own income sources (taxable)

  • Annual pension from current and past employers
  • Annual Social Security benefit, depending on when you can retire
  • Annual payments from any annuities you own

Inventory your own potential income sources
I. Taxable Income Sources and Their Current Value

  • Stocks
  • Bonds
  • Savings/CDs
  • Real estate
  • Part-time income

II. Tax-Deferred Income Sources and Their Current Value

  • 401(k), 403(b), 457
  • Traditional IRA
  • Annuity

III. Tax-Free Income Sources Current Value

  • Roth IRA
  • Life insurance (cash value)
  • Municipal bonds


  • To get an estimate of your personal income benefit from Social Security when you retire, go to: www.ssa.gov
  • If you have a pension, call your benefits manager for a pension estimate.
  • Some sources suggest it may be preferable to spend principal from after-tax savings first, and then draw down proceeds from an IRA or company-sponsored plan.

Please contact one of our Certified Retirement Counselors with questions at 1-888-244-6297.
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