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Key Retirement Questions
Every Woman Should Ask
November 2014
Use these questions to jump-start your thinking about your unique retirement planning needs.
For more ideas and insights, visit merrilledge.com/women.
To help improve your chances of having enough money to
last throughout retirement, ask yourself:
Am I taking full advantage of my retirement savings plan
at work?
Do I know how much to expect from Social Security benefits?
What is the right mix of investments for my time line and
risk profile?
Should I contribute to a traditional or Roth IRA?
Should I purchase insurance now to cover long-term care?
Based on my current expenses, how much more can I put
toward my retirement?
If you’re married and leave work temporarily, ask:
Can my partner contribute to a spousal IRA for me?
Should I consider consolidating my retirement accounts
in one place?
59%
If you work part-time as a consultant or freelancer
or run your own business, ask:
Should I contribute to a SEP-IRA, individual 401(k) or
SIMPLE IRA?
Can I increase my contributions as the business grows?
If you’re getting closer to retirement, ask:
Are my retirement assets on track to last throughout
retirement? Are they still properly allocated?
Do I have a sense for how much I need to save and
invest in order to pursue the retirement lifestyle I want?
Should I delay taking Social Security in favor of higher
benefits later?
Have I taken advantage of extra catch-up contributions
to my retirement accounts (if age 50 or older)?
of mass affluent women are frightened about the possibility of not having
enough money throughout retirement.*
Next Steps
Merrill Edge® offers online resources to help you create a more
financially secure retirement. Visit merrilledge.com/women
to learn more about the challenges and opportunities women
face in planning and saving for retirement.
Visit merrilledge.com/fsalocator to find a
Merrill Edge Financial Solutions Advisor™ at a
select banking center near you. Or, call us at
1.888.ML.INVEST (1.888.654.6837) Monday
through Friday, 8 a.m. to 10 p.m. Eastern.
Looking for help with your retirement strategy?
A Merrill Edge Financial Solutions Advisor™ can help you create
a retirement strategy suited to your personal financial situation.
If you are not a Merrill Edge client, please visit
merrilledge.com or call 1.888.MER.EDGE
(1.888.637.3343) to learn more and get started.
*Merrill Edge Report: Spring 2014
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© 2014 Bank of America Corporation. All rights reserved. | ARDFMV8Y | WP-10-14-0184 | 00-66-0620NSB | 11/2014