Can I retire?
See whether your current savings could provide enough monthly income.
Turn Your 401(k), IRA, or Pension Into Retirement Income You Can Count On
See whether your retirement savings could provide predictable monthly income while reducing exposure to market downturns.
If Any of These Sound Like You...
- I have an old 401(k)
- I'm retiring within 10 years
- I worry about another market crash
- I don't know how much income I'll have
- I don't know whether to leave my money where it is
- I don't understand annuities
- I don't want to make a costly tax mistake
The Retirement Questions Everyone Asks
How much income can I expect?
Estimate what your retirement accounts could generate.
Should I roll over my 401(k)?
Understand your options before making a decision.
What happens if the market crashes?
Learn ways people reduce retirement market risk.
Will I outlive my savings?
Explore strategies for creating lifetime income.
Compare Your Choices
A side-by-side look at common retirement options — no product pitch.
| Option | Growth | Protection | Lifetime Income |
|---|---|---|---|
| Leave 401(k) | |||
| IRA | |||
| CDs | Limited | ||
| Fixed Annuity | Limited | Optional | |
| Fixed Indexed Annuity Most complete | Index-linked |
How We Help
Tell us about your retirement.
Share your age, savings, and goals — no account numbers, no commitment.
Estimate your future monthly income.
See a plain-English estimate of what your savings could produce.
Compare rollover options.
Look at leaving it, rolling to an IRA, or an annuity side by side.
Talk with a licensed specialist if you choose.
Only if you want to. No pressure, no obligation.
Estimate Your Retirement Income
Adjust the numbers to see a rough monthly income estimate. Nothing is saved or shared.
Estimated Monthly Retirement Income
$1,516/mo
Illustrative estimate only, based on a 6% average annual growth assumption and a 4% annual withdrawal rate. Actual results depend on markets, product terms, taxes, and timing. This is not a quote, projection, or guarantee.
Talk With a Licensed SpecialistWhy People Visit AnnuityNestEgg
Protection
Reduce exposure to major market declines.
Income
Explore options for predictable retirement income.
Education
Plain-English explanations.
Comparison
See multiple retirement strategies side by side.
The Trade-Offs
Every retirement strategy has trade-offs. Here are the ones worth understanding.
Liquidity
Surrender periods can limit access to your money for years.
Taxes
Withdrawals from tax-deferred accounts are taxed as ordinary income.
Inflation
Level payments can lose buying power over a long retirement.
Fees
Riders and administrative charges reduce your returns.
Company strength
Guarantees rely on the insurer's claims-paying ability.
Growth limitations
Caps and participation rates limit index-linked upside.
We'll explain both the benefits and the limitations before you decide.
Questions People Actually Ask
Can I roll over my 401(k)?
In most cases, yes. A 401(k) from a former employer can usually be rolled into an IRA or an annuity through a direct rollover, which avoids immediate taxes and penalties. Rules can differ if you are still employed by the plan sponsor, so confirm your specific situation.
Should I move my IRA?
It depends on your goals. Moving an IRA into an annuity can add principal protection and guaranteed income, but it also adds surrender periods and fees. It is not right for everyone — comparing your options side by side helps you decide.
What happens if I die?
It depends on the contract. Many annuities let you name a beneficiary who receives the remaining account value or continued payments. Some income options pay only during your lifetime unless you add a joint or death-benefit rider. Always check the specific contract terms.
How are withdrawals taxed?
Withdrawals from tax-deferred accounts (a traditional 401(k), IRA, or qualified annuity) are generally taxed as ordinary income. Withdrawals before age 59½ may also face a 10% IRS penalty. This is general information, not tax advice — confirm with a tax professional.
Can I lose money?
It depends on the product. A fixed or fixed indexed annuity protects your principal from market losses, though fees and early withdrawals can still reduce your value, and guarantees depend on the insurer's financial strength. Variable annuities and market investments can lose value.
Should I use all of my retirement savings?
Usually not. Many people place only a portion of their savings in guaranteed-income products and keep the rest liquid for flexibility and emergencies. The right mix depends on your income needs, other assets, and comfort with risk.
Ready to See What Your Retirement Income Could Look Like?
It takes about five minutes. No obligation. No pressure. Just answers.
See My Retirement IncomeAnnuities aren't FDIC insured. Guarantees are backed by the claims-paying ability of the issuing insurance company. Educational purposes only — not financial, tax, or legal advice.