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Many factors can affect your retirement

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Brenda EcheverriaWe’ve been posting a series of articles recently related to our Retirement Income Analysis (RIA)—a financial planning option through Member Benefits for those within 10 years of retirement.

The RIA is a highly focused retirement planning tool. You’ll talk with our financial planner about your goals, analyze your investments and savings accounts, and review other factors that impact your readiness that you may not have considered.

For example, when you look at your official Social Security statement, the estimated benefit is based on your average earnings and assumes you’ll continue to make a similar income up until retirement. However, many Wisconsin public school employees retire before full retirement age, so you may receive less than what your statement predicts.

That’s just one factor of many we'll help you consider to get a more realistic picture of what you’ll have in retirement.

Karen and Nick Niehausen participated in an RIA and are glad they did. Listen to what they have to say about it below, or click on the links provided to learn more about the RIA.

Have questions? Call us at 1-800-279-4030 or send an email to

            Nick and Karen Niehausen (3:12)   

>>Article: Are you retirement ready?

>>Retirement Income Analysis planning steps

>>Sample scenario: Spending early may actually be financially beneficial. Go figure!

Brenda Echeverria, Financial Planner