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Retirement planning is the process of creating a retirement income goal and then gathering information about your potential sources of retirement income. You then use this information to help determine how to meet those goals with savings and investments. While we may all hope that social security can meet our retirement needs, the payments are often much lower than most people need to pay for their expenses.

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Most people use a combination of investments and savings to help pay for their retirement. Employee programs like 401(k) and 403(b) plans are a great way to place income into tax-deferred account that you can invest in various funds, stocks, and bonds. IRAs, or individual retirement account, is another important retirement account that you should consider.
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