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
“Stop and consider your motives”

First and foremost, do you need the money? Lots of retirees find they just can’t “swing it” on Social Security and other sources of fixed income. In that case, taking a distribution is a certainly a smart move. Otherwise, think about giving the idea the red light (at least for now).

Green Light
Red Light

  • You need money to supplement other sources of retirement income.
  • You want to forego the legwork needed to set up an annuity or IRA.
  • You aren’t worried about extending the potential of your account to grow income-tax-deferred.

  • You do not need money right away to supplement your retirement income.
  • Your plan may not permit direct distributions (in which case you will need to transfer funds to an IRA or annuity).
  • You don’t want to pay any more in taxes than you absolutely have to.


“Ask questions today so you have no regrets tomorrow.”

It is always better to be safe than sorry. You may want to double check your thinking. Here are some tips:

  1. Weigh all distribution options, taking a lump sum, staying in the plan, or rolling to an IRA or annuity.
  2. Call your former employer’s Benefits department to find out if you can take a distribution directly from your plan.
  3. If yes, ask about options and restrictions, and what steps need to be taken.
  4. You also may want to consult with a financial professional to help determine the amount of each distribution. You need to be careful, especially if your employer-sponsored plan is your main source of income, that regular withdrawals do not deplete your savings too quickly.
Under age 70 1/2
Age 70 1/2


© 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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