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Retirement

Learn about positive steps to take today so that you can enjoy your future.

Let us help you plan your ideal future.

USAA Life Insurance Company and USAA Life Insurance Company of New York Retirement Income Specialists can help you create a retirement income plan for the future you've worked hard for.

We may refer you to a trusted provider to help fully address your needs.

Schedule a call with a retirement income specialist

Call 800-833-9847

For TTY devices, dial 711

Hours of operation for Retirement Income Specialists

Monday to Friday
7:30 a.m. to 7 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

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Where are you in your retirement journey?

Wealth accumulation for retirement (18-50)

Preparing for retirement is a lifelong journey. Learn how to stay on track and make adjustments along the way.

View resources for growing wealth for retirement

Preparing for retirement (50-65)

If you're planning to retire in the next five to 10 years, these tips can help you make sure you're ready.

View resources for preparing for retirement

Living in retirement (65+)

You made it! Now let's make sure you have the money you need for your retirement years — and know how to protect it.

View resources for living in retirement

Leaving the military?

USAA can help you prepare for the transition to civilian life with resources like job-hunting tools, a military separation assessment and a transition checklist.

Learn more about leaving the military resources

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article<span class=\"rds-globals__screen-reader\">: How much should I have saved for retirement?</span>\n"},{"headlineText":"<p>How to set up your immediate annuity</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-how-to-set-up-an-immediate-annuity-16x9.jpg","time":"4 minutes","ctaUrl":"/advice/how-to-set-up-an-immediate-annuity/","updatedDate":"November 28, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">[: How to set up your immediate annuity]</span>\n"},{"headlineText":"<p>Secure your future: Self-employed retirement options</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-self-employed-retirement-options-16x9.jpg","time":"3 minutes","ctaUrl":"/advice/self-employed-retirement-options/","updatedDate":"November 27, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Secure your future: Self-employed retirement options</span>\n"},{"headlineText":"<p>Social Security: Why it's important to your retirement</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-social-security-and-retirement-planning-16x9.jpg","time":"2 minutes","ctaUrl":"/advice/social-security-and-retirement-planning/","updatedDate":"September 23, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Social Security: Why it's important to your retirement</span>\n"},{"headlineText":"<p>Retire securely during market swings</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-market-volatility-and-retirement-16x9.jpg","time":"6 minutes","ctaUrl":"/advice/market-volatility-and-retirement/","updatedDate":"September 10, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Retire securely during market swings</span>\n"},{"headlineText":"<p>Fixed indexed annuity pros and cons</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-fixed-index-annuity-pros-and-cons-16x9.jpg","time":"7 minutes","ctaUrl":"/advice/fixed-index-annuity-pros-and-cons/","updatedDate":"August 08, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Fixed indexed annuity pros and cons</span>\n"},{"headlineText":"<p>Immediate annuities: Pros, cons, alternatives and myths</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-when-is-an-income-annuity-useful-16x9.jpg","time":"5 minutes","ctaUrl":"/advice/when-is-an-immediate-annuity-useful/","updatedDate":"July 24, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">[: Immediate annuities: Pros, cons, alternatives and myths]</span>\n"},{"headlineText":"<p>Key retirement milestones to ease into your golden years</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-key-retirement-milestones-16x9.jpg","time":"4 minutes","ctaUrl":"/advice/key-retirement-milestones","updatedDate":"July 22, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Key retirement milestones to ease into your golden years</span>\n"},{"headlineText":"<p>When to sign up for Medicare if you're still working</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-when-to-sign-up-for-medicare-if-still-working-16x9.jpg","time":"5 minutes","ctaUrl":"/advice/when-to-sign-up-for-medicare-if-still-working/","updatedDate":"July 03, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">[: When to sign up for Medicare if you're still working]</span>\n"},{"headlineText":"<p>Annuities versus investments</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-annuities-vs-investments-16x9.jpg","time":"7 minutes","ctaUrl":"/advice/annuities-vs-investments/","updatedDate":"May 26, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Annuities versus investments</span>\n"},{"headlineText":"<p>Strategies for borrowing from a 401(k) or TSP accounts</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-strategies-for-borrowing-from-401k-or-tsp-16x9.jpg","time":"7 minutes","ctaUrl":"/advice/strategies-for-borrowing-from-401k-or-tsp/","updatedDate":"May 23, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">:&nbsp;Smart strategies for borrowing from 401(k) or TSP accounts</span>\n"},{"headlineText":"<p>Is the Blended Retirement System lump sum option right for me?</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-blended-retirement-system-explained-16x9.jpg","time":"9 minutes","ctaUrl":"/advice/blended-retirement-system-explained/","updatedDate":"May 21, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Is the Blended Retirement System lump sum option right for me?</span>\n"},{"headlineText":"<p>Annuities 101: Most commonly asked questions and answers</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-annuities-101-most-commonly-asked-questions-and-answers-16x9.jpg","time":"10 minutes","ctaUrl":"/advice/annuities-101/","updatedDate":"May 14, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Annuities 101: Most commonly asked questions and answers</span>\n"},{"headlineText":"<p>Planning for long-term care</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-long-term-care-planning-16x9.jpg","time":"4 minutes","ctaUrl":"/advice/long-term-care-planning/","updatedDate":"April 02, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Planning for long-term care</span>\n"},{"headlineText":"<p>How much money do you need to start investing?</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-how-much-money-do-you-need-to-start-investing-16x9.jpg","time":"8 minutes","ctaUrl":"/advice/how-much-money-do-you-need-to-start-investing/","updatedDate":"February 15, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: How much money do you need to start investing?</span>\n"},{"headlineText":"<p>How to create your retirement income strategy</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-creating-retirement-income-strategies-16x9.jpg","time":"3 minutes","ctaUrl":"/advice/creating-retirement-income-strategies/","updatedDate":"February 09, 2024","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: How to create your retirement income strategy</span>\n"},{"headlineText":"<p>Medicare Advantage plan considerations</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-pros-and-cons-of-medicare-advantage-plans-16x9.jpg","time":"7 minutes","ctaUrl":"/advice/pros-and-cons-of-medicare-advantage-plans/","updatedDate":"January 25, 2024","ctaText":"Read article <span class=\"rds-globals__screen-reader\">Medicare Advantage plan considerations</span>\n"},{"headlineText":"<p>Finish strong in the retirement homestretch.</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-saving-for-retirement-in-50s-16x9.jpg","time":"2 minutes","ctaUrl":"/advice/saving-for-retirement-in-50s/","updatedDate":"September 28, 2023","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: Finish strong in the retirement homestretch.</span>\n"},{"headlineText":"<p>What's an immediate annuity?</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-what-is-an-income-annuity-16x9.jpg","time":"3 minutes","ctaUrl":"/advice/what-is-an-immediate-annuity/","updatedDate":"August 03, 2023","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: What's an immediate annuity?</span>\n"},{"headlineText":"<p>When should I take Social Security benefits?</p>\n","imagePath":"https://static.usaa.com/content/dam/digital/images/adv-art-when-to-take-social-security-benefits-16x9.jpg","time":"4 minutes","ctaUrl":"/advice/when-to-take-social-security-benefits/","updatedDate":"May 16, 2023","ctaText":"Read article<span class=\"rds-globals__screen-reader\">: When should I take Social Security benefits?</span>\n"}]

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Understanding Medicare annual enrollment

April 08, 2026 | Article: 9 minutes

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What do I do with my retirement savings when changing jobs?

April 07, 2026 | Article: 9 minutes

Read article: What do I do with my retirement savings when changing jobs? (Opens new window)
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Key retirement risks to avoid

March 30, 2026 | Article: 5 minutes

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Will Social Security run out?

March 26, 2026 | Article: 3 minutes

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Comparing types of retirement accounts like annuities, IRAs and pensions

March 12, 2026 | Article: 8 minutes

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Guard and Reserve members: Celebrate turning 60 with benefits

March 12, 2026 | Article: 6 minutes

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Are you spending too much in retirement?

March 03, 2026 | Article: 6 minutes

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Annuity vs CD vs savings account: Key differences

March 02, 2026 | Article: 6 minutes

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Questions for your financial advisor on retirement

February 27, 2026 | Article: 3 minutes

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Life insurance for seniors: What you need to know

February 26, 2026 | Article: 4 minutes

Read article: Life insurance for seniors: What you need to know (Opens new window)

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Related footnotes:

  1. Investment and Insurance Products are: Not Insured by the FDIC or Any Federal Government Agency; Not a Deposit or Other Obligation of, or Guaranteed by, the Bank; and Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested.

Related footnotes:

  1. This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.

  2. USAA means United Services Automobile Association and its affiliates.

  3. USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.

  4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  5. Learn about USAA's use of Artificial Intelligence.

    Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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