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
“This is a costly deadline to miss.”

You must receive your first minimum distribution by April 1 of the year following the year you turn 70 1/2. Inaction can cause you to pay a penalty of 50-percent of the distribution you should have taken. So, take these steps:

  1. Allow yourself plenty of time to research your distribution options.
  2. Consider talking to a financial professional to understand more about your options and how they will affect you and your heirs.
  3. Contact your former employer’s Benefits department to find out what paperwork you must fill out to make your distribution election, and the deadline for filing it.
  4. Go to www.irs.gov to read more about required minimum distributions for income-tax-deferred plans. Look up Publication 590 – Individual Retirement Arrangements.



“Avoid this ‘oops,’ too”
Be sure to specify which distribution calculation method you wanted applied to your money. If you don’t, the IRS or your plan sponsor may choose one for you. It may not be the most advantageous calculation for your circumstances, and you’ll be stuck with it for life.
Under age 70 1/2
Age 70 1/2
• Minimum distribution
• Sample calculation
• Next steps
• Contact a professional


© 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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