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Income Solutions for every stage of retirement

Income Solutions for every stage of retirement

You've worked hard to grow your nest egg so you can enjoy your retirement years, but sometimes you ask yourself, will it be enough? With TD Ameritrade's income-generating investment choices, helpful guidance, and knowlegeable support, you can build a retirement income plan to help put your worries at ease. Whether you're nearing retirement, or already retired, our investment products can help make your nest egg last so you can take care of who and what is most important to you.

Create your retirement income strategy with these helpful tools

Income Planning Worksheetfinancial worksheet

Use our Income Planning Worksheet to understand your retirement expenses and develop a financial plan that can help you feel comfortable about your future.

Living in Retirement ChecklistRetirement checklist

Monitor investments and prepare for expenses by making sure all the boxes are checked on your Retirement Checklist.

Retirement Income Plan Analysisservice headset

Find out how long your savings and investments could last if you draw down on your savings over time to help pay for expenses. This analysis looks at your existing retirement savings, and takes into account the impact of any guaranteed lifetime income sources you may have. Call a Retirement Income Specialist at 800-417-7423 for your analysis and to optimize your retirement income plan based on your goals.

Retirement Calculatorretirement calculator

Estimate how much you need to have saved for retirement and if you're on track to meet your goals with our Retirement Calculator.

Explore our education and insights

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Find informative videos that are relevant to your needs in our Education Center.

Stay up to date with the latest insights on income planning, retirement investing, and more from The Ticker Tape.

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Ideas for income protection in retirement

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Retirement income: a look at annuities

Review our wide range of investment choices

Annuitiesretirement portfolio

Fixed and variable annuities can provide a predictable stream of income during retirement. If you already have an annuity, you might be paying too much. Our specialists can review your existing annuity to determine if we can save you money in fees and present a lower-cost alternative with our competitive solutions.

Fixed-income bonds and CDsretirement tool case

Fixed-income products can help generate additional cash flow to cover your expenses. Choose from over 40,000 new issue and secondary offerings available daily.

Managed portfoliosInvestment charts

Investing in a managed portfolio means getting the help you need to pursue your investing and income goals. Answer a few short questions and TD Ameritrade Investment Management, LLC will recommend a model portfolio based on your answers.

Mutual funds and ETFslock and files

Access our broad selection of no-maintenance fee mutual funds and commission-free ETFs, with screeners and research tools that can help you find the right dividend-yielding products for you. 

Call 800-454-9272 today to discuss your retirement income needs.

Access your money from one place

As soon as you begin to generate income, you can easily access it whenever you need using our Online Cash Services. Take advantage of trading, investing, paying bills, and writing checks from one place.

Let's make a plan

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Contact us

Jumpstart your planning by calling 800-454-9272.
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Open an account

Open and fund an IRA today.
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Call or visit your local branch today to start building your plan.

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TD Ameritrade

Where Smart Investors Get Smarter SM

Call Us 800-454-9272

AdChoices

Before investing carefully consider the underlying funds’ objectives, risks, charges, and expenses. For a prospectus containing this and other important information about each fund, contact us at 888-310-7921. Please read the prospectus carefully before investing.

All investments involve risk, including loss of principal. Past performance does not guarantee future results. 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.

Before investing in an ETF or mutual fund, be sure to carefully consider the fund’s objectives, risks, charges, and expenses. For a prospectus containing this and other important information, please contact a Client Services representative. Please read the prospectus carefully before investing.

Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment objectives of the underlying investment options. This and other important information is provided in the product and underlying fund prospectuses. To obtain copies of the prospectuses, contact an annuity specialist at 800-347-7496 or email annuities@tdameritrade.com. Please read them carefully before investing.

Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are based on the claims paying ability of the insurer. An annuity is a tax-deferred investment.  Holding an annuity in an IRA or other qualified account offers no additional tax benefit. Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral. Product features and availability vary by state. Restrictions and limitations may apply.

Insurance products/services are offered through The Insurance Agency of TD Ameritrade, LLC. Brokerage services provided by TD Ameritrade, Inc. The Insurance Agency of TD Ameritrade, LLC and TD Ameritrade, Inc. are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. TD Ameritrade Holding Corporation is a wholly owned subsidiary of The Charles Schwab Corporation.

The annuity products offered are issued by separate and unaffiliated third-party insurance carriers. TD Ameritrade and these companies are not responsible for each other's policies or services.

Market volatility, volume and system availability may delay account access and trade executions.

Taxes related to TD Ameritrade offers are your responsibility. All Promotional items and cash received during the calendar year will be included on 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.

ETFs can entail risks similar to direct stock ownership, including market, sector, or industry risks. Some ETFs may involve international risk, currency risk, commodity risk, and interest rate risk. Trading prices may not reflect the net asset value of the underlying securities. Commission fees typically apply.

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

Investments in fixed-income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk, and special tax liabilities. May be worth less than the original cost upon redemption.

Advisory services are provided by TD Ameritrade Investment Management, LLC, a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc. TD Ameritrade Investment Management provides discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the Disclosure Brochure (Form ADV Part 2A).

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ©2021 Charles Schwab & Co. Inc. All rights reserved.