Log in MENU Home Retirement and Protection Have Enough Money to Retire Have enough money to retire How can I make sure I save enough? When thinking about the future, you may wonder if you’re saving enough money in order to meet your needs in retirement. Are you investing enough? Will your savings last throughout retirement? No one can predict the future, but with RiverSource® solutions and guidance from an Ameriprise financial advisor, we can help you achieve your goals so you can look forward to a more confident retirement. Ways to help you reach your goals How much retirement income will you need? Making sure you have enough money to last throughout retirement is a key financial goal for many people. Income in retirement can come from many sources including an employer-based 401(k) plan, Social Security, a pension plan, personal savings, IRAs and annuities and insurance. An Ameriprise financial advisor can work with you to create a retirement plan to help ensure you live the life you envision. Find an Ameriprise financial advisor Supplement your Social Security benefit After your working years are over, one source of income you may depend on is your Social Security benefit. However, it may not be enough to cover all of your essential expenses in retirement. It is important to have a reliable and secure source of income which covers necessities in life such as health care, housing and food. Your Ameriprise financial advisor can help you determine if you might have a gap in your retirement income and whether a RiverSource solution could benefit you. Learn about different annuities Create a tax-efficient savings plan There are many tax considerations when it comes to saving for retirement. From tax deductible contributions to paying income taxes on distributions. Creating the right tax strategy for your portfolio can make a significant difference in how much you can save and how much you can withdraw. Talk to your Ameriprise financial advisor to learn about solutions that can help. Learn about a tax-efficient retirement Solutions to consider Looking for growth potential but wary of market volatility? With a RiverSource Structured Solutions℠ annuity you get the market participation you’re looking for but with a level of protection against losses. Learn more Safeguard a salary if you can’t work Help protect your retirement income from an unexpected long-term illness or injury with RiverSource disability income insurance. Learn more Save your retirement from unexpected expenses RiverSource® insurance offers two life insurance solutions to help with long-term and extended care expenses. Learn more Frequently asked questions How can I create a guaranteed income to supplement other sources of income? A comprehensive financial plan can include a way to provide guaranteed lifetime income for retirement with an annuity from RiverSource. Talk to your Ameriprise financial advisor to determine what’s right for you. Will I have the income I need to cover essential expenses such as food, housing and health care? How can I protect what I’ve saved? 77% agree that having guaranteed lifetime income “gives people peace of mind in retirement.” LIMRA Secure Retirement Institute, 2018 Consumer Survey, Americans age 50-79 with $100,000 or more in assets. Videos to view Play Video CLIENT STORY Real people discuss their retirement challenges. We interviewed people on the street about what concerns them most about retirement. Some common challenges include how to grow a nest egg, making sure they have enough money to live on, and leaving a legacy. (1:29) Play Video EDUCATIONAL Understanding the 'Sequence of Returns' risk A critical risk to consider when deciding when to retire is called, 'Sequence of Returns' risk. Watch this video to show you how dramatically it can impact your retirement portfolio. (2:27) Play Video EDUCATIONAL Day in Life - disability income insurance You work hard for your money. It’s what pays the bills, supports you and your family and enables you to invest in your future. What if something happened and you couldn’t work? (3:05) Knowledge is power Discover information and tools to protect and grow your retirement savings. Try our helpful tools and calculators Frequently asked questions Insights Find your financial focus Learn how to plan for what's most important to you. Grow My Money Tax Strategies Volatile Markets Protect What Matters Most Protect My Business Plan for Future Expenses Explore your options with an advisor Discuss what RiverSource solutions might be right for you with your Ameriprise financial advisor. Contact yours today or find one now. 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All rights reserved. Users of this site agree to be bound by the terms of the RiverSource Website Rules and Regulations. This information is for a general audience and is not intended to address individual financial situations or needs. RiverSource Life Insurance Company/RiverSource Life Insurance Co. of New York does not provide investment advice. Annuity and insurance products are issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Variable products are distributed by RiverSource Distributors Inc., Minneapolis, Minnesota, Member FINRA.