Evaluate how well your retirement plans are working then refine your strategy to meet your retirement goals. Citizens Funds provides you access to the tools and calculators to help make your retirement planning successful.

Choose from the tools and calculators below to help ensure that your retirement plans are on track.

Documents to have on hand to help you with your retirement planning:

• Prior Tax Year Returns
• Pension Plan Documents
• 401(k) Plan Reports
• Savings and Investment Account Statements

Retirement savings planner
Whether your retirement is three years away or 40 years away, it's never too soon or too late to begin planning. This tool will help you estimate how much savings you may need by retirement in order to meet your retirement objectives.

IRA selector tools
What type of IRA is best for you based on your financial circumstances and retirement objectives? These tools help weigh the pros and cons of Roth and Traditional IRAs from a variety of perspectives.

IRA eligibility calculator
What type of IRA are you eligible for? This tool helps determine your eligibility for making Traditional IRA and/or Roth IRA contributions.

Beneficiary planners
Are you an IRA beneficiary? Don't miss out on the significant tax-deferral options available to IRA beneficiaries. These tools help identify your IRA withdrawal options, project future payments, and calculate required beneficiary distributions.

Early payout planners (IRC Sec. 72(t))
Retiring early? These tools help structure payments that can qualify for exemption from the 10% federal early distribution penalty that typically applies to distributions taken prior to age 59½.

Required Minimum Distribution (RMD) planners
Approaching age 70½? Already in required distribution status? These tools help with understanding the implications of the federal required minimum distribution (RMD) rules and calculate withdrawals that meet the RMD requirements.

Rollover planners
Receiving a lump sum distribution from an employer-sponsored retirement plan? These tools help identify the tax options available to you and compare the retirement income implications of your various alternatives.

Roth IRA conversion tools
Should you consider converting some or all of you Traditional IRA assets to a Roth IRA? These tools help weigh the pros and cons of a Roth IRA conversion from a variety of perspectives.

Social Security Benefit Projector
Learn detailed information about your Social Security retirement benefits under current law and things to consider as you prepare for the future. Try our different retirement ages and future earnings amounts.

If you are already near retirement age, you'll find instructions on how to apply for benefits and what supporting documents you'll need to furnish.