How We Help

At retirement time, you will be forced to make some big decisions. For instance, the type of pension you select may turn out to be the most impactful financial decision you make the rest of your life. Pension selection is an art, and we are good at it.

Having trouble tracking down your Dependent RMSA value? We will show you where to find it.

We fully appreciate how complex and intimidating retirement can be for 3Mers. Our advisors will help you navigate every step of the process. And don’t worry, we’ll be there to “Push the Button” with you!

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  • Outline icon of a checklist with checkmarks and lines of text on a document.

    Before You Retire

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    Optimal retirement date

    Budget

    Pension discussion

    Investment & cash flow analysis

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    Pushing the Button

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    Sign up for Retiree Health Insurance

    Update contact information

    Pension selection & tax withholding

    Notify supervisor

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    After You Retire

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    Social Security claiming strategies

    Estate planning

    Tax efficiency

    Wealth maximization

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Start your preparations with our Retirement Checklist

Pre-Retirement Checklist

Retirement Budget Analysis

Everything starts with an understanding of your desired retirement lifestyle and how much money you need to live that way.

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Pension Evaluation

Should you consider the lump-sum? Is the monthly annuity best for you? This decision will greatly influence the rest of your planning.

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Social Security Strategy

Should you start collecting right away at age 62? Should you wait until age 70? How will your decision affect your spouse?

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Risk Assessment

Are you over-exposed to 3M? Do you have enough to cover healthcare costs? Identifying risks is the first step in helping protect against them.

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Investment Management

A risk appropriate, diversified portfolio is critical. Remember to keep a long-term focus and avoid emotional decision making.

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Retirement Transition List

Retirement Income Plan

This key step brings everything together - maximizing your 3M Pension, Social Security, and investments to meet your needs.

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Retiree Health Insurance

What is the balance of your 3M Retiree Medical Savings Account (RMSA)? Are you eligible for Medicare? Proper planning is crucial before retiring.

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Estate Planning

Do you have a will? Should you have a trust? It can be easy to delay answering uncomfortable questions, but do not overlook this integral part of retirement planning.

A simple line drawing of a house with a roof, a door, and a porch, surrounded by a circular arrow, with a hand below holding the house, symbolizing shelter or housing support.

“PUSH the Button”

The big moment has arrived! Time to pick your retirement date. Carefully select your pension type and confirm your contact information.

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Wealth Maximization

Tax efficiency and smart planning, along with periodic review and re-balancing, helps ensure your strategy will stay on track.

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  • Tax-Smart Retirement Planning

    Your 401(k) is likely your biggest bucket of money. Most, if not all, is pre-tax in nature. Tax efficiency strategies allow you to keep more of what you’ve earned.

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    Tax bracket management

    Roth conversions

    Net unrealized appreciation (NUA)

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  • Investment Philosophy

    Our Retirement Advisors actively monitor each client portfolio. We keep it simple and always stick to our long-term plan, while avoiding emotional decision making.

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    Well-diversified portfolios

    Low-cost index funds

    Strategic rebalancing

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