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Planning for and
Enjoying Retirement

Retirement will look different for everyone. For some it means travel and time with the grandchildren while others look forward to spending more time enjoying hobbies and leisure activities. Some may retire only to start a “second act” that is fulfilling yet very different from their prior career.

Whatever your retirement vision, Commerce can help you save for and enjoy the life you envision while addressing the financial considerations.

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Preparing for Retirement

For most people, saving for retirement means setting money aside in an IRA (traditional or Roth), annuity (fixed or variable), or an employee-sponsored plan like a 401(k). These accounts help you grow money while offering potential tax breaks to ensure the maximum benefit once you reach retirement age.1

Dedicating money to your retirement savings is an important first step. It is equally important to set a savings goal based on your intended lifestyle, select investments, and monitor progress toward your goal.

Commerce offers a variety of investment choices from managed accounts that simplify the process of investing to custom portfolios invested in publicly traded securities through Commerce Financial Advisors or custom portfolios developed by Commerce Trust, a division of Commerce Bank, that can also accommodate assets held elsewhere and alternative investment vehicles.

Enjoying Retirement

After three or four decades of receiving a paycheck, many retirees struggle with creating one for themselves from their savings. It can be overwhelming to think about spending as much time in retirement as you did in the workforce.

Commerce can help you create an income stream in retirement with your savings, Social Security, and other income. An advisor will listen to your goals, help you decide when to take Social Security, explore ways to invest tax-efficiently, and respond to the inevitable ups and downs in the market throughout retirement.

Preparing the Next Generation

If you’ve amassed more savings than you need or want to spend in retirement, Commerce will help you organize the funds for future generations or distribute them according to your philanthropic wishes. Commerce advisors help clients leave a financial legacy through insurance, estate planning, and family wealth stewardship.

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1 Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.

Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Past performance is no guarantee of future results. 

This summary is intended to provide general information only and is reflective of the opinions of Commerce Trust. This material is not a recommendation of any particular security, is not based on any particular financial situation or need, and is not intended to replace the advice of a qualified attorney, tax advisor or investment professional.

Mutual funds, annuities, and other investment products:

Not FDIC-insured

May lose value

No bank guarantee

Commerce Brokerage Services, Inc., member FINRA, SIPC, is a wholly owned subsidiary of Commerce Bank. Commerce Trust is a division of Commerce Bank. Insurance products sold through Commerce Insurance Services, Inc., a wholly owned subsidiary of Commerce Bank. Commerce Financial Advisors is a trade name used by Commerce Brokerage Services, Inc., a separate registered broker-dealer and non-bank affiliate of Commerce Bank.