Financial Engines
A complete plan
At Financial Engines, our mission has never wavered: We help people with saving, investing, and retirement income so they can enjoy the retirement they've dreamed about.
Planning for the future is the key to success. That's why we help you create a retirement plan designed to help 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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We help you save and invest for retirement while you’re working, and with the addition of Financial Engines® Income+ to Professional Management, we’re there to help you through retirement.
Income+ helps to transition your 401(k) from retirement savings to steady payouts in retirement. It’s the first service of its kind created for a generation of workers who have built their retirement entirely on a 401(k).
Income+ was designed to answer three big questions most people have as they approach retirement:
- When will I be able to retire? Income+ provides an advisor representative and a personalized retirement plan so you know how much you may be able to expect in retirement.
- How can I avoid the risk of big losses? Income+ can help by rebalancing your 401(k) portfolio for growth and safety.
- Will I run out of money in retirement? Income+ is designed to provide monthly payouts in retirement that can go up and can last for life.*
Your money stays right where you put it—in your 401(k). When you are ready, Income+ generates payouts directly from your 401(k) account.
The control to make changes when you need to. The knowledge that your money will be there. And access to an advisor representative.** That’s Income+.
*With Financial Engines’ Income+, payouts begin in retirement at your request. Income+ is designed to manage your investments to create payouts that can last into your early 90s. If you think you’ll want payouts longer than that and want a lifetime guarantee, consider an optional annuity purchase. Financial Engines does not guarantee payout amounts or payouts for life.**Financial Engines Advisors L.L.C. is an independent investment advisor that does not receive commissions; we provide advisory services on an advised and sub-advised basis.
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Have a question?
Why is my company offering retirement help? What is Financial Engines' investing philosophy? Get answers ›
Which service is right for you?
Professional Management or Online Advice. Compare the two and decide. Learn more ›
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 ›