{"id":353920,"date":"2016-04-04T10:48:01","date_gmt":"2016-04-04T15:48:01","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/socialsecurity\/retirement-planning.html"},"modified":"2024-02-01T12:41:07","modified_gmt":"2024-02-01T17:41:07","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning.html","title":{"rendered":"Retirement Planning"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><div\n    data-testid=\"fl-general-title\"\n    class=\"fl-general-title fl-flex fl-gap20 fl-items-end\"\n>\n    <div class=\"fl-general-title-heading fl-flex fl-flex-column\">\n        <h1\n            class=\"fl-h1 fl-general-title-title fl-no-spacing\"\n            data-testid=\"fl-general-title-title\"\n        >\n            Retirement Planning\n        <\/h1>\n        <p\n            class=\"fl-general-title-description fl-text-xl fl-no-margin\"\n            data-testid=\"fl-general-title-description\"\n        >\n            Living well after you&#8217;ve stopped working is everyone&#8217;s goal, but a comfortable retirement takes serious planning. \n        <\/p>\n    <\/div>\n<\/div>\n\n\n\n<p>In this section, you&#8217;ll find in-depth articles on retirement planning. It explains the differences between Social Security, IRAs, and 401(k)s. Read about topics such as how much money you&#8217;ll need when you retire and when you can start withdrawing from your retirement fund. You&#8217;ll also get helpful tips and answers to frequently asked questions.<\/p>\n\n\n\n<div\n    class=\"fl-category-overview\"\n    data-testid=\"fl-category-overview\"\n>\n    <div\n        class=\"fl-accordion fl-category-overview-container\"\n        id=\"category-overview\"\n        data-testid=\"fl-accordion\"\n    >\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-1-category-overview\"\n               aria-labelledby=\"button-1-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-1-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-1-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Planning for Retirement\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-1-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/how-to-plan-for-retirement-faq.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Retirement Planning FAQ<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/social-security-vs-401k.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Social Security vs. 401k<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/ira-plan-faq.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>IRA Beneficiaries and Trusts FAQ<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/retirement-planning-questionnaire.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Retirement Planning Questionnaire<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/social-security-and-retirement-resources.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Social Security and Retirement Resources<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-2-category-overview\"\n               aria-labelledby=\"button-2-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-2-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-2-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Getting Ready To Retire\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-2-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/early-retirement-withdrawal-get-your-money-early-without-a.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Legal Issues with Early Retirement Withdrawals: When You Need an Attorney<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/when-i-retire-how-can-i-tap-into-my-retirement-fund.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>How To Withdraw Money From Your Retirement Savings<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/how-much-money-do-you-need-to-retire.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>How Much Money Do You Need To Retire?<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/documents-to-show-your-attorney-when-planning-to-retire.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Retirement Documents To Show Your Attorney<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n            <\/div>\n<\/div>\n\n\n\n<p>Saving for retirement is essential if you want to enjoy your usual standard of living in your golden years. Saving isn&#8217;t the only part of retirement planning, however. As you plan, you&#8217;ll want to consider when you will retire, your expected costs during your retirement, and the best retirement savings plans for your individual circumstances.<\/p>\n<p>FindLaw&#8217;s retirement planning section explains how you can begin preparing for life after work. You can also discuss your future with a <a href=\"https:\/\/lawyers.findlaw.com\/social-security-disability\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">retirement lawyer<\/a> near you. They can offer advice about taxes, estate planning, employment benefits, and public benefits.<\/p>\n<div id=\"readmore\">\n<h2>Saving for Retirement<\/h2>\n<p>The key to a comfortable retirement is saving early. How much money you&#8217;ll need in retirement will depend on when you retire, your estimated life expectancy, and your living and medical expenses.<\/p>\n<p>The average worker will want to have between 12 and 14 times their annual income tucked away. This usually means devoting between 10-15% of your regular earnings to a retirement plan. If you&#8217;re an older worker just starting to plan for retirement, you&#8217;ll want to save more to catch up.<\/p>\n<p>There are many ways to save money, such as:<\/p>\n<ul>\n<li><b>Pensions:&nbsp;<\/b>Pensions are employer-sponsored plans that pay benefits to retired employees. Benefits are typically based on how many years of service an employee has with a company. The employer manages the pension fund and pays benefits to the employee in retirement.<\/li>\n<li><b>401(k), 403(b), and 457 plans:<\/b> Many employers set up retirement investment accounts for their employees. The employer pays maintenance fees, while the employee contributes money from their paychecks to the account. Some employers offer matching contributions.<\/li>\n<li><b>Individual Retirement Account (IRA): <\/b>An IRA is similar to a 401(k), except an individual may set up an IRA without the help of their employer. You may open a traditional IRA or Roth IRA, which differ in their tax treatments and income limits.<\/li>\n<li><b>Keogh Plans:<\/b> Keogh plans are similar to 401(k)s, but they are designed for the self-employed. They have different rules about how much the owner can contribute and whether those contributions are tax-favored.<\/li>\n<\/ul>\n<p>Learn about the different types of retirement plans before opening and investing in an account. It&#8217;s also a good idea to create a budget and savings goals so you can live comfortably in retirement.<\/p>\n<h2>Creating a Retirement Plan<\/h2>\n<p>There are many ways to save for retirement, and you will want to carefully craft a retirement plan to fit your needs. Individuals who qualify for <a href=\"https:\/\/www.findlaw.com\/socialsecurity\/basics.html\">Social Security retirement benefits<\/a> will be able to receive monthly payments. Benefits are based on their lifetime earnings. However, Social Security will rarely provide enough financial support on its own.<\/p>\n<p>Retirement plans like 401(k)s and traditional defined benefit pensions can be important sources of income. If you don&#8217;t receive retirement benefits from an employer, you can still open your own IRA to start saving. The type of account you create will determine when and how the taxes paid on your retirement funds are collected.<\/p>\n<h2>When to Retire and How to Withdraw Your Funds<\/h2>\n<p>To ensure that these funds are actually used for retirement, there are often restrictions on when you can begin withdrawing them. If you&#8217;re planning on early retirement, the earliest you can begin <a href=\"https:\/\/www.findlaw.com\/socialsecurity\/basics\/applying-for-social-security-benefits.html\">collecting your Social Security<\/a> retirement benefits is age 62. However, withdrawing early will lead to a lower monthly benefit than if you begin receiving payments at full retirement age or later.<\/p>\n<p>Private sector retirement plans, like a 401(k) or IRA, also have limits on when you can begin withdrawing your funds. You typically can&#8217;t withdraw from your 401(k) or IRA before age 59 1\/2, with certain important exceptions. If you do, you&#8217;ll be hit with a punitive 25% penalty on the funds you withdraw, in addition to any taxes that may apply to those benefits.<\/p>\n<p>If you&#8217;re planning on working past normal retirement age, your available benefits could increase. Social Security rewards later retirement by increasing your monthly payments when you defer collecting benefits beyond full retirement age. Your 401(k) or IRA investments may continue to grow if you do not withdraw your funds. However, benefits for late retirement stop accruing with Social Security at age 70. Often, you must begin withdrawing from your IRA or 401(k) at 70 1\/2 years old.<\/p>\n<h2>Getting Legal Help with Retirement<\/h2>\n<p>Whether you&#8217;re retiring this year or looking ahead to retirement in 40 years, you might need legal advice for matters such as:<\/p>\n<ul>\n<li>Deciding whether to place assets in a trust<\/li>\n<li>Reducing your tax liability and avoiding penalties<\/li>\n<li>Maximizing and claiming Social Security benefits<\/li>\n<li>Preparing for long-term care needs and <a href=\"https:\/\/www.findlaw.com\/healthcare\/medicare-medicaid.html\">Medicare eligibility<\/a><\/li>\n<li>Aligning your retirement plan with your <a href=\"https:\/\/www.findlaw.com\/estate\/planning-an-estate.html\">estate plan<\/a><\/li>\n<li>Resolving a dispute with an employer, plan administrator, or financial advisor<\/li>\n<\/ul>\n<p>Successful retirement planning requires balancing many objectives at once, from how much savings to set aside today to how to maximize your retirement funds later in life. Contact a <a href=\"https:\/\/lawyers.findlaw.com\/social-security-disability\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">qualified retirement attorney<\/a> for help with establishing a retirement plan that works for you.<\/p>\n<\/div>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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                 id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    The initial Social Security process doesn&#8217;t require an attorney\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    An attorney primarily handles claims that are denied\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    It can be helpful to have an attorney during Social Security benefit disputes or appeals\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>A Social Security lawyer can help protect your rights to your benefits.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\">\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/social-security\/#USER_GEO\/?fli=esum:FL17\" title=\"Social Security Law Attorney Directory\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/social-security\/\" target=\"_blank\" rel=\"noopener\">Social Security &#8212; Retirement and Survivors Benefits Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/erisa\/\" target=\"_blank\" rel=\"noopener\">Employee Retirement Income Security Act (ERISA)  Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/\" target=\"_blank\" rel=\"noopener\">Workers&#8217; Compensation Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/wage-hour\/\" target=\"_blank\" rel=\"noopener\">Wage and Hour Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/employment-law-employee\/\" target=\"_blank\" rel=\"noopener\">Employment Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/social-security-disability\/\" target=\"_blank\" rel=\"noopener\">Social Security Disability Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/disability\/\" target=\"_blank\" rel=\"noopener\">Disability Insurance Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n<div class=\"actionImageCard aem-GridColumn aem-GridColumn--default--12\">\n    <div class=\"fl-image-card\">\n                <div class=\"fl-image-card__content\">\n            <div class=\"action-card-layout\">\n                <h3 class=\"action-card-layout__heading\">\n                    Don\u2019t Forget About Estate Planning\n                <\/h3>\n                <div class=\"action-card-layout__content fl-text-lg\">\n                    <p>Now is a great time to consider creating or revising your estate plan. Protect your assets through a will, decide who can make financial decisions for you through a power of attorney, and ensure you make important health care decisions through a health care directive. You can create these critical documents online using DIY estate planning forms.<\/p>\n\n                <\/div>\n                <a href=\"https:\/\/www.findlaw.com\/forms\/estate-planning.html\" class=\"action-card-layout__button fl-button fl-link-button secondary\">\n                    <span class=\"fl-button-content\">Start Planning<\/span>\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><\/div>\n<\/div>\n\n\n<div class=\"popularRecent\">\n    <div class=\"row popular-recent\">\n        <h2 class=\"popular-recent-title\">Looking for More Information?<\/h2>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849290\/ability-law\/wp-prod\/general-components-popular-recent-popular\/general-components-popular-recent-popular.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Popular Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/basics\/what-is-oasdi.html\">What Is OASDI?<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/social-security-vs-401k.html\">Social Security vs. 401k<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/disability\/what-is-my-disability-onset-date-.html\">What is My Disability Onset Date?<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/disability\/mental-health-disability-claims.html\">Mental Health Disability Claims<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/disability\/how-to-prove-disability.html\">How to Prove Disability<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849421\/ability-law\/wp-prod\/general-components-popular-recent-recent_12960fdca\/general-components-popular-recent-recent_12960fdca.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Most Recent Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/early-retirement-withdrawal-get-your-money-early-without-a.html\">\n                                Legal Issues with Early Retirement Withdrawals: When You Need an Attorney\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/ira-plan-faq.html\">\n                                Planning for IRA Beneficiaries and Trusts: FAQ\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/when-i-retire-how-can-i-tap-into-my-retirement-fund.html\">\n                                How To Withdraw Money From Your Retirement Savings\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/social-security-vs-401k.html\">\n                                Social Security vs. 401k\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/socialsecurity\/retirement-planning\/how-much-money-do-you-need-to-retire.html\">\n                                How Much Money Do You Need To Retire?\n                            <\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to the Retirement Planning section of FindLaw&#8217;s Social Security Center, where you&#8217;ll find information and resources on a variety of retirement planning<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":353877,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/OverviewPageController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2742],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-353920","page","type-page","status-publish","hentry","category-socialsecurity"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353920","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=353920"}],"version-history":[{"count":3,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353920\/revisions"}],"predecessor-version":[{"id":394221,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353920\/revisions\/394221"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353877"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=353920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=353920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=353920"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=353920"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=353920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}