MOAA’s Retirement Resources

Taking the Right Financial Risks

Get expert advice on your investment choices ... and their potential consequences.

MOAA’s Digital Retirement Guide

Searchable results from communities nationwide, plus more retirement news you can use.

MOAA’s Retirement Guide: How to Sell Your Home

Ready to make the move? This expert advice can help. 

Retirement planning is the process of developing your retirement investing and savings goals and programs for a future retirement. Plus, it will help you create income and make your assets last throughout your retirement years. Sources of retirement income can include:

• Military retired pay
• Thrift Savings Plan (TSP)
• State and federal government pensions
• Social Security
• Private sector pension plans
• IRAs (individual retirement accounts)
• Annuities
• 401(k), 403(b) and 457(k) plans (private sector retirement plans, similar to the TSP)
• Brokerage accounts
• Personal savings
• Rental properties
• Accumulated home equity

Even if you plan to make the military a career, don't assume that you military retired pay and Social Security will be enough to meet your needs. Too many people wait until their mid-to-late 40s to start seriously planning their retirement. This is a big mistake. Saving $250 a month at age 25 will yield approximately $872,000 at age 65 with an 8 percent return. Waiting until age 45 to start saving yields only $147,000 at age 65 - a $725,000 difference!

Below you'll find articles, publications, links and more as you begin your planning. Some of the resources are available only to MOAA Premium and Life members; click to learn more about the benefits of membership.