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Retirement Made Simple

Plan for the retirement you want. Our team of financial advisors are here to guide you through the retirement planning process and can help you build a road map for your financial future.

Retirement Planning

At Citadel, we understand that retirement planning is crucial to your future. Whether retirement is fast approaching or years away, Citadel’s retirement services, available through CUSO Financial Services, L.P. (“CFS”), can help you safeguard your family’s financial security after you leave the workforce.

Looking for an early retirement? Our retirement savings calculator below will help you meet your retirement planning objectives to help lock down an early retirement for your future.

Our Planning Approach

Your needs are our number one priority. When you meet with a Citadel CFS* Financial Advisor, we will start by discussing your current situation financial situation and retirement goals to determine the best course of action for you.

retirement planning

What It Is

Our CFS* Financial Advisors will look at your unique circumstances—income, expenses, and goals—to help you create a personalized blueprint for reaching your retirement goals.

  • Personalized, one-on-one service
  • Accessibility to answer your questions
  • A holistic approach
  • Flexibility to do what’s best for you

What You'll Get

Analysis

Your CFS Investment Advisor will begin by assessing your present financial situation and evaluating your probability of having sustainable income throughout retirement based on your income versus expenses.

early retirement

Implementation

After analyzing your finances and goals, your CFS Investment Advisor will help you understand the pros and cons of different accounts and build an investment strategy that is compatible with your timeline and level of risk tolerance.

401k plan

Monitoring

Your CFS Investment Advisor will monitor your retirement account to help ensure that it continues to be the best fit. And when you’re ready to retire, we’ll create a plan to help you manage your retirement income.

401k plan

Disclosures

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members.

Best For...
Healthcare Costs
Tax Efficient Strategies
Retirement Income Plan
Legacy Planning

Are my current retirement savings sufficient?

Are my current retirement savings sufficient?

One method of retirement planning is to project what you are currently saving and have accumulated to date and see if you will have enough to meet your retirement objectives. Use this calculator to determine when/if the money will run out during retirement and it will recommend additional savings if required.

Start Calculator

Retirement Savings and Assumptions

Your current age (1 to 120)

1 120

Current annual income($)

$0 $1,000,000

Annual pension benefit at retirement($)

$0 $1,000,000

Spouse's annual income (if applicable)($)

$0 $1,000,000

Current annual savings amount($)

$0 $1,000,000

Current retirement savings amount($)

$0 $2,000,000

Current annual savings increases (0 to 10%)

0% 10%

Expected inflation (0 to 10%)

0% 10%

Desired retirement age (1 to 120)

1 120

Number of years of retirement income (1 to 40)

1 40

Income replacement at retirement (0% to 300%)

0 300%

Pre-retirement investment return (-12% to 12%)

-12% 12%

Post-retirement investment return (-12% to 12%)

-12% 12%

Social Security override amount($)

$0 $4,000
Marital status
Include Social Security benefits?
Pension increases with inflation?
Calculate

Meet with a CFS* Financial Advisor

Ready to start your retirement planning journey? Contact a Citadel advisor today!

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