A complete plan
Planning for the future is the key to success. That's why we help you create a retirement plan designed to keep you on target. It's focused on the essential investment, savings, and retirement income strategies you'll need. And we believe in the power of personalization. No off-the-shelf plans. No one-size-fits-all approaches.
How do we do it? We combine some of the brightest minds in the financial industry with extremely powerful technology. The result: you'll get a personalized retirement plan designed to help maximize your potential income at a risk level that's right for you.
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Financial Engines will optimize your investment mix to help you reach your retirement income goals. This includes your company retirement plan, and can also include other investments like IRAs or stock holdings—even accounts from a previous employer or your spouse.
We start by helping you set a risk level that's appropriate for your age and when you plan to retire. Then we design a diversified investment portfolio to help protect you from market fluctuations. We run thousands of simulations, and we mean thousands, to find an investment mix designed to help you reach your goal. (This is the engine part of Financial Engines.) We don't sell investments or make commissions, so you can trust that the investment strategy we recommend always has your best interests in mind.
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This is especially true for retirement savings. That's because, in addition to potential future investment gains, contributions to your retirement account can have significant tax benefits. What's more, you could be leaving money on the table if you're not taking full advantage of matching contributions, catch-up savings, and other opportunities.
So, what's the right amount to save for retirement given your specific situation and financial realities? That's what your savings strategy will help you figure out. Financial Engines will help you take advantage of all your savings opportunities, and show you how even small changes today could have a big impact on your financial future.
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Should you retire at 65 or later? Will you have enough in your retirement account? How long could it last?
Your retirement income strategy will help you answer these important questions. We start with your retirement income goal-an estimate of how much you'll need each year in retirement. Then we forecast what your account could be worth when you retire, based on your new investment and savings strategies. In addition to your savings, we'll estimate the effect of Social Security or other sources of income-and compare this to your goal so you know if you're on track.
Financial Engines can help you figure out how adjusting your planned retirement age, taking on more or less investment risk, or other changes might impact your income. It's no wonder we call it Retirement Help for Life®
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Getting started
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Meet Amanda
She's 47 and getting serious about retirement planning. See how Financial Engines can help. Learn more ›