Your Retirement,
Our Promise.
You spent your career strengthening and serving communities—now it’s time to focus on YOU. Whether you’re just getting started on your retirement journey or are a seasoned retiree, we’re here to help you make the most of your retirement savings.
Retire With Confidence
Helpful information and resources for every stage of retirement.
Accessing Your Savings
Explore the ways in which you can begin accessing your savings once you are ready to retire.
Lifetime Income
Learn how lifetime income and annuities can guarantee a steady income that you can count on in retirement.
Forms and Resources
Get quick access to important forms and resources that allow you to keep your benefit up to date in retirement.
Your Retirement Information, When You Need It
In your online account, access secure self-service tools to easily view benefit details, manage personal details like your address, email, and phone number, view and update your annuity deposit banking information, and access important documents like your 1099-R anytime.
Are annuity payments subject to federal and/or state income tax withholdings?
Federal income taxes may be automatically withheld from your annuity payments. If you want to change the amount withheld—or choose not to have federal taxes withheld—you can do so by submitting this IRS Form W‑4P.
Y Retirement does not withhold state taxes (with the exception of those retirees who live in New York), and these taxes can vary quite a bit between states. We encourage you to connect with a tax expert to learn more about how these could affect you.
How does Social Security tie into your retirement plans?
For most retirees, Social Security is an important source of income, but it’s designed to be just one part of your overall retirement plan—not your only source of support. Your benefit amount can be affected by several factors, so it’s helpful to stay informed. To learn more about Social Security benefits, visit www.ssa.gov.
Can the beneficiary be changed for the retired death benefit?
Yes - all you need to do is complete the Designation of Beneficiary for the Retired Death Benefit form and have it notarized before mailing it in.
Resources to Support Your Retirement Journey
Explore resources from our partners to support your healthcare needs and help you stay connected to the YMCA Movement in retirement.
Aptia365
Aptia365 offers personalized support to help you understand Medicare and review health insurance options as you transition into or navigate retirement. This service is completely voluntary.
YMCA Alumni
The YMCA Alumni Association brings together people shaped by the Y to reconnect, give back, and continue building healthier communities—together.
Retiree Emergency Assistance Program
Y Retirement’s Retiree Emergency Assistance Program provides grants to support retirees facing unexpected financial hardship.
Need more personalized assistance?
Our team of retirement experts is here to answer all your questions and help you maximize your Y Retirement benefit.