Guide for starting late with retirement preparation

You're now logged in. Please select the secure site you want to access.

Account Services — for individual account access
Account Services — for individual account access
Account Services Demo — for individual account demo access
eAccess — for third-party administrators
eProducer — for retirement advisors
eSponsor — for employers
OneSource Online — for agents
Employee Benefits — for employers and brokers
Evidence of Insurability — for employees and dependents
Mortgage Loans — for commercial loan servicers

New User?

Need help?

Your account access may be elsewhere if your retirement plan is with:

OneAmerica Retirement Services LLC (including former BMO and CNB Retirement Services)

McCready and Keene, Inc. Plan Participants
McCready and Keene, Inc. Plan Sponsors

Register for new account access

If you'd like access to your individual account, register with Account Services
If you're a third-party administrator, register with eAccess
If you're a retirement advisor, register with eProducer
If you're an employer, register with eSponsor
If you're an agent, register with OneSource Online
If you're an employer or broker, register with Employee Benefits
If you need Evidence of Insurability, register with OneAmerica.com

Cancel

Z6_1P1811C0JOMC40A83DKPKU0050

Error:

Javascript is disabled in this browser. This page requires Javascript. Modify your browser's settings to allow Javascript to execute. See your browser's documentation for specific instructions.

Z7_1P1811C0JOMC40A83DKPKU0053

Z7_1P1811C0J02O70AOB8PJRA3C73

Overview

Enjoy these brief videos outlining important topics related to your retirement preparation. They are fun, educational, engaging and packed with lots of tips to assist you in taking the next steps today.

Pete the Planner: Do you have enough to retire?

Pete the Planner provides steps to help you better prepare as you near retirement.

Pete the Planner: Competing financial goals

Pete the Planner answers Carrie's question on how to balance multiple financial goals, such as saving for college and preparing for retirement.

Pete the Planner: Downside of loans

Pete illustrates how retirement plan loans affect your retirement goals.

Pete the Planner: Freed up cash

Justine asks Pete the Planner how to use her freed up cash flow to prepare for retirement.

Pete the Planner: In-service withdrawals

Pete the Planner explains what a in-service withdrawal is and what to consider before performing one.

Pete the Planner: Justifying investing

Pete the Planner discusses David's concerns with how to invest in his retirement plan when he has limited financial resources.

Pete the Planner: Loans and homes

Darren asks Pete the Planner what he should consider before taking a loan from his retirement plan for a downpayment to buy a house.

Pete the Planner: Matching contributions

Pete discusses how matching contributions can help you prepare for retirement.

Pete the Planner: Pre-retirement loans

Pete the Planner answers Anna's question on if she should take a pre-retirement loan to purchase a car.

Pete the Planner: Retirement basics

Pete discusses four concepts to consider as you prepare for retirement.

Pete the Planner: Retirement Income Streams

Pete illustrates the retirement income streams available and how your employer-sponsored retirement plan fits into your retirement preparation.

Overview

These interactive calculators will help you take an active role in your learning and will assist you in developing a proactive plan to achieve your goals.

403(b) 15-Year Catch-up Calculator

Learn about additional opportunities to save for retirement.

Asset Allocation Calculator

Your risk tolerance affects how you allocate your retirement assets.

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

Cost of Waiting Cost of Waiting

Waiting to begin saving for retirement can have a huge impact.

Cost of Waiting

Retirement Income Retirement Income

This calculator can be used regularly to confirm that your retirement strategy is aligned with your retirement goals.

Retirement Income

Small Changes, Big Savings Small Changes, Big Savings

Saving a small amount now can make a big difference later.

Small Changes, Big Savings

Overview

All the guides and articles here are jam-packed with ideas on the nuts and bolts of retirement planning as well as topics that are relevant to your life planning. Take the time to read these short topical articles, and then take the next steps to achieve your goals.

The Benefits of Tax Deferral

Retirement plan contributions are tax deferred, so they don’t impact your take-home pay as much as you’d think!

4 Things to Consider Before Taking a Loan from Your Retirement Account

Take time to think about these four things before taking a retirement plan loan.

Contribute More to Your Retirement Account

Invest more toward your retirement goals by practicing three basic money management techniques.

Retirement Check-In

Your ability to confidently retire at a specific age requires planning throughout your working years. An annual retirement plan checkup will show where you stand now and help you zero in on any adjustments you may need to make.

Simplify Your Retirement Accounts

Combining your retirement accounts into one can help streamline your preparation efforts.

Z7_1P1811C0J09080AI9E6CBE1KN7

Z7_1P1811C0J8A690A8BC4QTQ1824

Z7_1P1811C0JOMC40A83DKPKU00B5

Small Changes, Big Savings

Saving a small amount now can make a big difference later.

Find out what you can save now

Calculate Your Retirement Goals

The demand for your retirement income affects the amount of income you need.

Find out how

Avoid Retirement Mistakes

Making mistakes while preparing for retirement could put you behind in reaching your goals.

Learn what to avoid

Getting a Late Start?

It's never too late to get started on preparing for retirement.

Learn how to get started today

Complementary Content

Web Content Viewer

Web Content Viewer

Videos

Calculators

Library

Overview

Pete the Planner: Do you have enough to retire?

Pete the Planner: Competing financial goals

Pete the Planner: Downside of loans

Pete the Planner: Freed up cash

Pete the Planner: In-service withdrawals

Pete the Planner: Justifying investing

Pete the Planner: Loans and homes

Pete the Planner: Matching contributions

Pete the Planner: Pre-retirement loans

Pete the Planner: Retirement basics

Pete the Planner: Retirement Income Streams

Overview

403(b) 15-Year Catch-up Calculator

Asset Allocation Calculator

Cost of Waiting Cost of Waiting

Retirement Income Retirement Income

Small Changes, Big Savings Small Changes, Big Savings

Overview

The Benefits of Tax Deferral

4 Things to Consider Before Taking a Loan from Your Retirement Account

Contribute More to Your Retirement Account

Retirement Check-In

Simplify Your Retirement Accounts

Web Content Viewer

Web Content Viewer

Web Content Viewer

Small Changes, Big Savings

Calculate Your Retirement Goals

Avoid Retirement Mistakes

Getting a Late Start?