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
" A Rollover IRA lets you run your own show."

Lots of people set up a Rollover IRA to accept employer-sponsored funds. It's your own account, held at a bank, an insurance company, or brokerage. You pick the investments and make all your own decisions or you may ask for professional help. Best of all, your funds are still income-tax-deferred. Here are the details.

The Ins and Outs of Rollover IRAs

  		•  You can roll over any amount of qualified tax-deferred savings.
  		• If you transfer funds directly to a Rollover IRA (rather than receiving them in your own name) you pay no income tax or penalties at time of transfer.
  		• You choose how your money is invested. You can opt for anything except gems, non-US coins, fine art, or collectibles.
  		• You are free to change your investment choices any time.
  		• You can consolidate several tax-deferred saving accounts into a single IRA. Get the convenience of one statement, and one set of investment choices, plus no chance of losing track of what you’ve got.
  		• Just like your employer-sponsored plan, you must begin drawing income by age 70 1/2.



    "Halt!"

    Any after-tax contributions in your employer-sponsored account cannot be directly rolled over to a new tax-deferred account (although any earnings on them can). If you want your after-tax contributions to keep growing income-tax deferred, consider using them to purchase an annuity.

    What is a Rollover IRA?
    Pros/Cons of rolling over
    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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