Retirement planning
![Grandfather and grandson on couch surrounded by indoor plants looking at a tablet screen.](/-/media/project/pli/protective/learn/retirement-planning/_learn_wheres-my-catamaran-setting-smart-and-realistic-retirement-goals.png?h=200&iar=0&w=400&hash=A4FB84C3A1518567A5967BFD1229CAEC)
Where's my catamaran? Setting smart and realistic retirement goals
Anything from unexpected health care costs to market volatility can derail your dreams. That means it's important to focus on setting smart and realistic goals.
![A mature woman meeting with her financial advisor to discuss the tax benefits of converting her traditional IRA to a roth IRA.](/-/media/project/pli/protective/learn/retirement-planning/learntaxbenefitsofconvertingyourtraditionaliratoarothirabusinessgridofcards3col138.jpg?h=200&iar=0&w=400&hash=199E44262D8DF690C5B67109B163243E)
Tax benefits of converting a traditional IRA to a Roth IRA
If you'd prefer to have more money in after-tax accounts, you may be in luck. A Roth conversion allows you to change pre-tax savings to after-tax assets.
![Middle-aged couple shares a loving embrace while out in the city.](/-/media/project/pli/protective/learn/retirement-planning/_learn_hsas-and-hras-what-you-need-to-know.png?h=200&iar=0&w=400&hash=604730B7ACD32DE762CDB3E5E8329582)
HSAs and HRAs: What you need to know
Healthcare is one of the most significant financial obstacles you will encounter.
![Middle-aged female and male seated on a couch facing each other and having a conversation.](/-/media/project/pli/protective/learn/retirement-planning/_learn_how-to-retire-early.png?h=200&iar=0&w=400&hash=11D0DA2F621729D04CC762211455FF1D)
Some considerations for planning an early retirement
If you're dreaming of an early retirement, here are some tips to consider to make that dream come true. There's no magic formula, but you can develop a realistic plan.
![Woman talking to a female coworker](/-/media/project/pli/protective/learn/retirement-planning/_learn_what-is-the-difference-between-a-pension-and-a-retirement-plan_default.png?h=200&iar=0&w=400&hash=B8B2D6B16F992FD5E8E3E6C8157A9D61)
What is the difference between a pension and a retirement plan?
Two common types of retirement plans people are familiar with are a pension and a 401(k). While both help you save for your future, there are a few key differences.
![A woman smiling as she looks up from a computer while searching for information.](/-/media/project/pli/protective/learn/retirement-planning/_learn_401k-retirement-calculator_business-grid_of_cards_3_col-35.jpg?h=200&iar=0&w=400&hash=7A09F721DC6A24556564D0FFD916D35B)
3 online calculators to determine how your 401(k) contributions are adding up
Find out how well your 401(k) is working for you and what difference adjusting your contributions might make with a retirement calculator.
![Mother and daughter enjoying afternoon walk together by the lake.](/-/media/project/pli/protective/learn/retirement-planning/_learn_you-vs-your-kids-planning-for-college-and-retirement.png?h=200&iar=0&w=400&hash=6EAB22401C76BE96302C2DE6ED9A361C)
How to plan for retirement and your child's college education
With careful planning, it can be possible to help pay for college and still retire comfortably.