Retirement account planning refers to the process of creating a strategy to save and invest money for retirement through various types of retirement accounts, such as 401k s, individual retirement accounts (IRAs), and pension plans.

Retirement account planning typically involves evaluating the available retirement accounts, determining how much to contribute to each account, and selecting appropriate investments based on factors such as risk tolerance and retirement goals.

The goal of retirement account planning is to ensure that individuals are able to accumulate enough savings and investment growth to provide a sufficient retirement income when they stop working.

Retirement account planning may also involve decisions about when to begin withdrawing funds from retirement accounts and how to manage the tax implications of those withdrawals.

Planning for retirement accounts can be complex and may require the assistance of a financial advisor or tax professional.