Key Investment Principles Glossary Retirement Planning Calculators

A Wealth of Retirement Funding Options

Time can be your greatest ally in building a secure financial future. Start now with a retirement savings plan customized by your Waddell & Reed financial advisor. Your advisor will assist you in selecting the retirement plan that best suits the needs of you, your family, your business and/or non-profit organization. Visit the sections below to learn more.

Selecting the Right Plan
All retirement plans are not alike. But there is a plan that is right for you. And the decision process for selecting the right retirement benefit plan involves a number of considerations.

As an individual they may include:

• Your earned income level;
• Your spouse's earned income level;
• Your tax situation;
• Your age.

If you are a business owner, they may include:

• The nature of your business;
• The number and type of employees at your company;
• The level of benefits you wish to provide;
• The level of contributions you wish to make; and
• Future plans for expansion within your business.

Retirement Plan Contribution Chart

Individual Plans - Learn about personal retirement plans and how they can help you gain control of your financial future.
Traditional IRA, Roth IRA, IRA Rollover, Federal Mid-Term Rate

Employer-sponsored Plans - Learn about retirement plans sponsored by companies to benefit you and your employees.
SEP, SIMPLE IRA, 401(k) Plans, Payroll Deduction Plan, Profit Sharing Plan, Money Purchase Plan, Defined Benefit Plan

Owner-only Plans - Learn about retirement plans for the self-employed business owner.
Exclusive (k) ®, SEP, SIMPLE IRA, Keogh Profit Sharing

Non-profit Plans - Choose from several retirement plan options specifically formulated for non-profit organizations.
Payroll Deduction Plan, 403(b) TSA, 403(b)(7) TSA, Title-One-TSA, 457 Plan, SIMPLE IRA, SEP, 401(k), 401(a) Employer Contribution Plan

Governmental Plans - Learn about retirement plans for government employers and entities.
457 Plan, Governmental Employees Plan