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
“We’re talking easy math.”

To figure out your required minimum distribution, simply divide your total plan balance by your life expectancy factor (available from the IRS). Hard to believe the math could be that simple with tax folks involved. Surprise! Here’s an example:


This is how Ted figures his 2004 required minimum distribution.

Step
Result
1. He finds his 2004 total account balance on his plan statement.
$210,000
2. He looks up his his life expectancy factor in IRS Publication 590. (Ted is currently age 72.) .
25.6
3. He divides $210,000 by 25.6.
$8,203.12

Source: IRS Publication 590, Appendix C, Uniform Lifetime Table.

“Attention, May-December couples”
If there is more than 10 years’ difference in your ages, be sure to use the IRS’s special life-expectancy table. Factors from this table allow you to withdraw even less each year in the way of minimum distributions.

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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