OneAmerica Retirement: Empowering Americans

OneAmerica Retirement, a leading provider of retirement solutions, has been helping individuals and businesses navigate the complexities of retirement planning for over a century. With a comprehensive suite of products and services, OneAmerica Retirement empowers clients to achieve their financial goals and enjoy a secure retirement.

Tailoring Solutions to Individual Needs

OneAmerica Retirement understands that every individual's retirement journey is unique. That's why they offer a wide range of solutions tailored to meet the specific needs of clients at every stage of life. Whether you're just starting out or nearing retirement, OneAmerica Retirement has a solution that can help you achieve your retirement goals.

Comprehensive Retirement Planning Services

OneAmerica Retirement provides a comprehensive range of retirement planning services, including:

• Retirement planning: OneAmerica Retirement's team of experienced financial professionals can help you develop a customized retirement plan that aligns with your financial goals and risk tolerance.
• Investment management: OneAmerica Retirement offers a variety of investment options to help you grow your retirement savings.
• Income planning: OneAmerica Retirement can help you develop a plan to ensure you have enough income to cover your expenses in retirement.
• Estate planning: OneAmerica Retirement can help you plan for the distribution of your assets after your death.

Trusted Partner in Retirement Planning

OneAmerica Retirement has been a trusted partner in retirement planning for generations. With a proven track record of success, OneAmerica Retirement has helped millions of Americans achieve their retirement goals.

Why Choose OneAmerica Retirement?

There are many reasons to choose OneAmerica Retirement as your retirement planning partner. Here are just a few:

• Financial strength: OneAmerica Retirement is financially strong, with over $100 billion in assets under management.

• Customer-centric focus: OneAmerica Retirement puts its customers first, providing personalized service and support.

  

• Commitment to innovation: OneAmerica Retirement is constantly innovating to develop new products and services to meet the changing needs of clients.

How OneAmerica Retirement Can Help You

If you're looking for a retirement planning partner you can trust, look no further than OneAmerica Retirement. Contact us today to learn more about how we can help you achieve your retirement goals.

Understanding Your Retirement Options

When it comes to retirement planning, there are a lot of different options to choose from. It can be overwhelming trying to figure out which option is right for you. To make things easier, we've put together a guide to the most common retirement options.

Employer-Sponsored Retirement Plans

If you're employed, your employer may offer a retirement plan, such as a 401(k) or 403(b) plan. These plans allow you to save for retirement on a tax-advantaged basis. Contributions to employer-sponsored retirement plans are typically made pre-tax, which means they reduce your current taxable income. Earnings on your contributions grow tax-deferred, so you don't pay taxes on them until you withdraw the money in retirement.

Individual Retirement Accounts (IRAs)

IRAs are another popular retirement savings option. IRAs are available to anyone with earned income, regardless of whether or not they're employed. There are two main types of IRAs: traditional IRAs and Roth IRAs.

• Traditional IRAs: Contributions to traditional IRAs are tax-deductible, which means they reduce your current taxable income. Earnings on your contributions grow tax-deferred, so you don't pay taxes on them until you withdraw the money in retirement.
• Roth IRAs: Contributions to Roth IRAs are made after-tax, which means you don't get a tax deduction for them. However, earnings on your contributions grow tax-free, so you don't pay taxes on them when you withdraw the money in retirement.

Annuities

Annuities are a type of retirement savings product that provides guaranteed income for life. When you purchase an annuity, you make a lump sum payment or a series of payments over time. In return, the insurance company guarantees to pay you a fixed income stream for the rest of your life. Annuities can provide peace of mind in retirement, knowing that you'll have a steady stream of income no matter how long you live.

Which Retirement Option Is Right for You?

The best retirement option for you depends on your individual circumstances. Consider the following factors when making your decision:

• Your income: If you have a high income, you may want to consider an employer-sponsored retirement plan or a traditional IRA. This will allow you to reduce your current taxable income and save more for retirement.
• Your age: If you're young, you have more time to save for retirement. You may want to consider investing in stocks or other growth-oriented investments. If you're nearing retirement, you may want to focus on preserving your savings and generating income.
• Your risk tolerance: If you're not comfortable with risk, you may want to consider investing in fixed-income investments, such as bonds or annuities. If you're willing to take on more risk, you may want to consider investing in stocks or other growth-oriented investments.

Investing for Retirement

Once you've chosen a retirement savings option, it's time to start investing. Investing is an important part of growing your retirement savings. The goal is to invest in a way that aligns with your risk tolerance and financial goals.

There are a variety of different investments to choose from, including:

• Stocks: Stocks are shares of ownership in a company. When you buy a stock, you're buying a small piece of that company. Stocks are a good investment for long-term growth, but they can also be volatile in the short term.
• Bonds: Bonds are loans that you make to a company or government. When you buy a bond, you're lending money to that entity. In return, the entity pays you interest on your investment. Bonds are a good investment for generating income and preserving capital.
• Mutual funds: Mutual funds are professionally managed investment pools that invest in a variety of assets, such as stocks, bonds, and real estate. Mutual funds offer diversification, which can help reduce risk.
• ETFs: ETFs are exchange-traded funds that track an index, such as the S&P 500. ETFs are a good investment for gaining exposure to a specific market or asset class.

Planning for Retirement Income

One of the most important aspects of retirement planning is to ensure that you have enough income to cover your expenses in retirement. There are a few different ways to generate income in retirement, including:

• Social Security: Social Security is a government program that provides income to retired workers. The amount of Social Security you receive depends on your lifetime earnings.
• Pensions: