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
“Get the best of both worlds with an annuity.”

Here are the two features that make annuities so appealing to retirees … income-tax-deferred saving plus the ability to get income. If you roll money in your employer-sponsored plan to an annuity, you can go two routes … either a deferred annuity or an immediate annuity.


Direct Route
Immediate Annuity		   Scenic Route
Deferred Annuity
  • Start taking income right away
  • Your account balance can continue to grow income-tax-deferred until withdrawn
 
  • Continue to save income-tax-deferred
  • Start taking income some time in the future
  • After income begins, your account balance can continue to grow income-tax-deferred until withdrawn

• What is a rollover annuity?
• Pros and cons of rolling over
• Types of annuities
• Payment options
• Annuity costs
• Next steps


“Are you a traveler who packs for any eventuality?”

If I looked in your suitcase, would I find sun block and an umbrella? Then a deferred annuity might appeal. It lets you continue to invest now, but easily switch to income in the future.


What is a Rollover Annuity?
Pros/Cons of rolling over
Types of annuities
Payment options
Annuity costs
Next steps


© 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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