ROLLOVER & RETIREMENT
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Are You Already Retired?
Are you saving for retirement?
Employer-sponsored plans are truly a great benefit
You can bring your old retirement accounts with you.
Learn to save the right amount for your retirement.
Risk tolerance, time horizon and investment strategy are all key components.
Saving is good!
Avoid the temptation to cash out your retirement plan.
Even if you leave, your account may be able to stay.
You can bring your old retirement accounts with you.
Just because you can take money, doesn't mean you should.
Time to get your investment house in order.
Saving is good!
Learn to save the right amount for your retirement.
Have you covered all your bases?
Are you on target, off by a mile, or somewhere in between?
You can bring your old retirement accounts with you.
Risk tolerance, time horizon and investment strategy are all key components.
Saving is good!
Retirement age varies with the circumstances.
Learn to save the right amount for your retirement.
Just because you can take money, doesn't mean you should.
Risk tolerance, time horizon and investment strategy are all key components.
Its important to determine how you will begin to receive income during your retirement.
Just because you can take money, doesn't mean you should.
You may no longer work at your job, but you do need to work at managing your investments.
Ready to write your own paycheck?
Juggling too many accounts?
Health costs can take a big chunk of your retirement savings.
Share the wealth with your family…not uncle sam.
Manage Plan Assets

Stay in Plan | Take Lump Sum | Roll to IRA | Roll to Annuity |  Take distributions
“You have to take the minimum. If you take more, don’t max out early.”

Uncle Sam says you have to start annual withdrawals from your employer-sponsored plan by April 1 of the year following the year you reach age 70 1/2. The least you can withdraw is called a “required minimum distribution,” and the government imposes rules for figuring this minimum. In a way, minimum withdrawal requirements work in your favor because they’re designed to help you preserve your retirement funds for as long as possible.

Of course, you’re free to take more than the minimum. Just be sure you need more and that your funds won’t dry up too soon. Let me show you what I mean.

Less today leaves more for tomorrow.
Karen (age 65) and Mark (age 70) retired with $175,000 in Mark’s employer-sponsored plan. According to the IRS, Mark’s life expectancy is about 27 years. Their required minimum distribution is initially $6387. They can take more than the RMD, but look how soon their funds are depleted.


Under age 70 1/2
Age 70 1/2
• Minimum distribution
• Sample calculation
• Next steps
• Contact a professional

The following is for hypothetical illustrative purposes only. It is not intended to imply the Performance of any specific investment. Taxes are paid upon withdrawal.

 
With an annual distribution of... $6,387* $13,000 $15,000 $20,000
Karen & Mark's savings will last... 27+ years 24+ years 18+ years 11+ years

Assumes 6% annual rate of return.

* RMD amounts vary from year to year based on the account balance and expected future lifetime and the beginning of the year. $6,387 is the RMD for the first year.

© 2008 ING North America Insurance Corporation. All rights reserved.
Advisory services provided through ING Financial Advisers, LLC (member SIPC).
This information is not intended to be tax or legal advice. ING does not offer tax or legal advice. Consult your own legal or tax advisor regarding your specific situation.
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