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Retirement & investments

Retirement & investments planning

Keeping families in Good Hands

Everyone deserves a plan designed to help them meet their financial goals. That's why we make preparing for the future simple and accessible — with Personal Financial Representatives in your neighborhood.

Allstate My Money

See your complete financial picture and take control of your finances today. With our free online tool, you can:

Monitor your financial accounts or check your net worth at a glance with a single, consolidated experience.
Set financial goals and track your progress
Track expenses and follow a budget
Consult with a Personal Financial Representative

Reach out to a Personal Financial Representative to learn more.

Why should you have plans to reach your financial goals?

Whether you're just starting out or you're getting ready for retirement, our complimentary financial reviews can help set a clear path towards reaching your goals.

Starting your career

It's never too early to start planning for your financial future. And since you're just starting out, planning now can help you meet your long-term goals.

Planning can help you:

Identify and prioritize your goals and objectives
Balance paying off debt and saving for the future
Choose investments
Plan for the unexpected

Learn more:

Growing your family

You're at that point where you're experiencing some of life's most memorable milestones. Now's the time to help protect those you love with a strong financial foundation.

Planning can help you:

Save for college and retirement
Protect your children's financial future
Choose a life insurance plan
Prepare for the unexpected

Learn more:

Raising children on your own

Protecting your children is what matters most in your life. And since you're raising them independently, it's important to plan your financial future.

Planning can help you:

Save for college while balancing daily expenses
Protect your children's financial future
Choose a life insurance plan
Explore ways to earn supplemental income

Learn more:

Protecting your established finances

You've worked hard to build the life you lead. Having a plan in place can help you continue to have a secure and prosperous financial future.

Planning can help you:

Continue to save for retirement
Diversify your investments
Protect your children's financial future

Learn more:

Nearing retirement

Whether your kids are moving out of your house or you're well on your way to retirement, it's time to plan for what's next.

Planning can help you:

Save for retirement
Protect your retirement income
Prepare for unexpected expenses

Learn more:

During retirement

Once you have enough to retire, it's still important to keep tabs on your nest egg and take steps to make it last for as long as you need it — or beyond.

Planning can help you:

Manage your investments during your retirement years
Prepare for unexpected expenses
Leave a legacy for future generations

Learn more:

The Allstate difference

When you choose an Allstate Personal Financial Representative, you'll develop a personalized plan that's designed to help you meet your goals at each stage of your life. And, because Allstate agents live and work near you, you'll receive local service along with access to more than 20 of the most recognized financial companies in the industry.

How to save for retirement

Your Workplace Retirement Plan

Your company 401(k) should be the first place you invest for retirement. Why? It's easy to have your contributions deducted automatically from your paycheck, and many companies offer a match on employees' contributions.

Although your plan administrator sets up your 401(k), you can choose how to invest the money. Your plan will generally give you a number of investment options to choose from. In order to be sure you're investing enough to retire comfortably, have a Personal Financial Representative review your plan and help you reach your goal.

Individual Retirement Accounts (IRAs)

In addition to your employer's retirement plan, you may be able to open your own individual retirement accounts. Two options include:

Roth IRA. You don't get a tax break up front on the money you invest in a Roth IRA, but all of your contributions and your fund's earnings will be income-tax free as long as you meet the program's requirements for withdrawing money during retirement. Roth IRAs have rules on income eligibility and annual contribution limits, so it's a good idea to check with a Personal Financial Representative before planning contributions or withdrawals.
Traditional IRA. Like a 401(k), you may earn an annual tax deduction on the money you invest in this account. Your money is taxed later, when you withdraw it during retirement. If you switch jobs, you may be able to roll over all or part of your work 401(k) to a traditional IRA.

In both of these accounts, you can typically choose to invest in individual stocks, bonds or mutual funds. Through Allstate, you'll have access to mutual funds from more than 20 financial companies, allowing you to diversify your retirement investment plan.

Annuities

If you're concerned about income from your investment accounts fluctuating over the years, an annuity may be helpful. annuities can create a guaranteed, stable income stream. How long the income payments last depends on the type of annuity plan that you purchase. you may be able to choose a particular period of time (10 years, for example) or select a plan that pays out for your entire lifetime.

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