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Planning beyond your 401(k)

August 2011

Are you relying on your 401(k) for retirement? That could be a mistake — especially in today's environment. Why?

  • Taxes are likely to rise and you may need to start preparing now for higher rates in retirement.
  • Limited 401(k) investment options may not provide enough diversification choices to protect against shifting markets.
  • And, you may miss out on opportunities to coordinate your plan with your spouse's.

Retirement expert Craig Brimhall explains why you need to supplement your 401(k) with a broader plan so you can more confidently live the retirement of your dreams. Select the video that applies to you, whether you're far from retirement, near retirement or already retired.

 

Already retired? (over 65)

You need to build a complete retirement income plan, in addition to your 401(k), that can help make your money last a lifetime. Here's how. (3:12)

Watch the video
Download a transcript of the video
Learn more about creating a complete picture of your retirement accounts

Near retirement? (55-65)

You need to add diversification to your portfolio now — beyond your tax-deferred 401(k) — to help prepare for a rising tax environment. These tips can help. (5:51)

Watch the video
Download a transcript of the video
Learn more about tax diversification

Far from retirement? (under 55)

You need to coordinate your plan — including your 401(k)s and other investments — with your spouse or partner to align your goals and get on track to reach them. Learn how. (4:38)

Watch the video
Download a transcript of the video
Read more about retirement plan options

In-service distributions

Looking for a way to add diversification to your workplace retirement plan? This little-known opportunity may be available through your 401(k). Find out if this option is right for you. (2:37)

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Download a transcript of the video
Learn more about in-service distributions

Our panelists

Photo of Craig Brimhall

Craig Brimhall

Vice President, Retirement Wealth Strategies
Ameriprise Financial

Craig is the Vice President of Retirement Wealth Strategies at Ameriprise Financial. His primary areas of focus include retirement income strategy, tax management and ways to mitigate the common risks to retirement. He also analyzes new retirement legislation and tax policy to help interpret its impact on consumers and small business owners.

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

The information and opinions provided in these videos are believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the sole basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor. Neither Ameriprise Financial nor its affiliates or representatives may provide tax or legal advice. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

What does this mean for you?

Ask your financial advisor about which investment strategies are right for your portfolio.

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