Let's figure out retirement planning

Whether you need a little guidance or a lot – we can help

No matter where you are in your retirement planning, we offer the solutions, resources, tools, and guidance you need to develop and manage a retirement strategy that can help you pursue your goals.


Where Are You in Planning for Retirement?

Estimate your retirement with WealthRuler™

Figuring Out Your Game Plan

Whether you’re just starting out or evaluating your current plan, building wealth and planning your retirement are most likely your primary goals. Knowing how to start and understanding all of the choices available to you can be a challenge, but you’re in luck. We have a guide specifically designed for folks that are new to retirement. The guide walks you through the ins and out of retirement and makes getting started easier. Learn about different types of IRAs, use tools like WealthRuler® to estimate how much you'll need to retire, and more - so you can create a personalized retirement plan. Because after all, it’s your retirement, not ours.

Amerivest offers mutual fund or ETF portfolios

Cost-Effective Investment Plans

Amerivest Portfolios are designed and actively managed with the expertise of Morningstar Associates and under the guidance of Amerivest—for a low advisory fee. The result? Confidence that your investments are in line with your strategy. When you open an Amerivest mutual fund or exchange-traded fund (ETF) portfolio, you won’t have to worry about continuous oversight and rebalancing. Amerivest will manage and rebalance the portfolio for you based on recommendations from the experts at Morningstar Associates. Choose from Core, Opportunistic, and Supplemental Income portfolios based on your specific need and risk tolerance.

How Can We Help?

Make planning for retirement easier by exploring our suite of resources, tools, and information based on the amount of support and guidance you need.

Point Me in the
Right Direction

Ready to get started? Access all the details you need to make informed retirement decisions. Explore these topics to get started:

Help Me Get Started

Learn the basics of effective retirement planning with our guides and tools. To explore how to get started, estimate savings, and more, try:

Help Me Understand

Have questions about the rollover process or different types of retirement accounts?  Don't worry, our retirement specialists offer information and support.  Just give us a call and we'll help.

Boost Your Retirement Outlook

Choices and details regarding retirement savings plans change over time. But with retirement educational resources from our affiliated education company, Investools from TD Ameritrade Holding Corp. and S&P Capital IQ, you can stay up-to-date on new planning techniques, available savings plans, legal changes, and your progress.

Explore some of our hand-picked retirement resources below:

Retirement savings calculator

Retirement Planner

See if you’re on track, and if not, how to get back on with this savings calculator.

Traditional or Roth IRA?

Traditional vs. Roth IRA Analyzer

Traditional or Roth? It’s an important question. Learn about both to decide for yourself.

Need Help Getting Started?

Get in touch with one of our retirement specialists to help jumpstart your planning by calling 800-454-9272 or emailing us.

How to Invest for Retirement

Learn the steps to effective retirement planning with an exclusive video from our affiliated education company, Investools from TD Ameritrade Holding Corp.

Understand retirement investing

Give Your Retirement a Checkup – And See if You’re On the Right Path

Meet with one of our retirement specialists to see how your lifestyle, budget, resources, and investments are impacting your financial future.

Schedule your Checkup


Before investing in an Amerivest portfolio, be sure to carefully consider the underlying funds’ objectives, risks, charges, and expenses. For a prospectus containing this and other important information about each fund, contact an Amerivest Specialist at 888-310-7921. Please read the prospectus carefully before investing.

There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification do not eliminate the risk of experiencing investment losses.

Mutual funds are subject to market, exchange rate, political, credit, interest rate and prepayment risks, which vary depending on the type of mutual fund.

ETFs can entail market, sector, or industry risks similar to direct stock ownership, and trading prices may not reflect the actual net asset value of the underlying securities.

**Offer valid for one new Individual, Joint or IRA TD Ameritrade account opened by 9/30/14 and funded within 60 days of account opening with $2,000 or more. To receive $100 bonus, account must be funded with $25,000 or more within 60 days of account opening. To receive $300 bonus, account must be funded with $100,000 or more within 60 days of account opening. To receive $600 bonus, account must be funded with $250,000 or more within 60 days of account opening. Offer is not transferable and not valid with internal transfers, accounts using the Amerivest service, TD Ameritrade Institutional accounts, current TD Ameritrade accounts or with other offers.   Qualified commission-free Internet equity, ETF or options orders will be limited to a maximum of 500 and must execute within 60 days of account funding. Contract, exercise, and assignment fees still apply.  Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account. Taxes related to TD Ameritrade offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. 

WealthRuler does not make specific asset class or security recommendations. Users enter criteria including desired retirement age, income and planned expense information, plan end date, and current value and allocation percentages of stocks, bonds and cash. The tool classifies a user into one of five portfolio strategy/risk tolerance models. These models, combined with time horizon, determine the return and risk assumptions used in the calculations. The tool runs multiple simulations to determine the likelihood of plan success, during average and poor market conditions. Results may vary with each use and over time. For complete details on criteria, methodology, limitations and key assumptions, please see Methodologies & Assumptions.

IMPORTANT: The projections or other information generated by WealthRuler regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

Amerivest Portfolios is an investment advisory service of Amerivest Investment Management, LLC (Amerivest), a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc., member FINRA / SIPC / NFA . Amerivest Investment Management, LLC and TD Ameritrade, Inc. are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. Amerivest is a trademark of TD Ameritrade IP Company, Inc. Amerivest provides nondiscretionary and discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the Amerivest Disclosure Brochure.

Morningstar Associates, LLC ("Morningstar Associates") is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates provides consulting services to Amerivest Investment Management, LLC ("Amerivest"), but is not acting in the capacity of advisor to individual investors. Morningstar Associates provides recommendations to Amerivest regarding asset allocation targets and selection of securities appropriate for the Amerivest Portfolios; however, Amerivest retains the discretion to accept, modify or reject Morningstar Associates' recommendations. Morningstar Associates selects securities for the Amerivest Portfolios from the universe of investments made available through TD Ameritrade. Asset Allocation target allocations are subject to change without notice. Morningstar Associates establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with Amerivest or TD Ameritrade.

Amerivest Investment Management, LLC, will assess an annual advisory fee based on the value of assets in your TD Ameritrade Investing Account. The fee for all Amerivest clients will be assessed at the beginning of each quarter in advance for that quarter and will be prorated for accounts opened and closed during that quarter. TD Ameritrade, Inc. will not charge commissions for eligible securities trades placed in your TD Ameritrade Investing Account. All fees are subject to change.

TD Ameritrade does not provide tax advice. We suggest that you seek the advice of a tax-planning professional with regard to your personal circumstances.

Diversification does not eliminate the risk of experiencing investment losses.TD Ameritrade, Inc. and Investools, Inc. are separate but affiliated companies that are not responsible for each other's services or policies.

TD Ameritrade, Inc. and S&P Capital IQ are separate unaffiliated companies and are not responsible for each other's services or policies.

TD Ameritrade, Inc., member FINRA / SIPC / NFA . This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2014 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.