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.
Plan for Income

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“Save the best for last.”

Tax-deferred savings … such as an employer-sponsored plan, a deferred annuity, or an IRA … really are best when it comes to income-tax-free accumulation. So, you’ll want to keep these plans working for you as long as possible. When your other savings are exhausted, and you’re ready to dip into tax-deferred money, keep these tips in mind.


Tips for cashing in tax-deferred chips:  
  • You must begin distribution by age 70 1/2. You can take as little as a minimum distribution, or more if you desire.
  • If you don't need the minimum distribution for current needs, you can always reinvest the money in taxable vehicles to save more.
  • If you do need a distribution to cover needs, you can convert them, for example, to cash or CDs. Or you can annuitize a lump sum to provide a steady stream of income.
  • Remember, your tax-deferred funds should be viewed as a long-term cushion. Be moderate in your withdrawals so you can maintain an account balance as long as possible.



“There’s always an exception.”

If you have money in a ROTH IRA, you can begin withdrawing income any time after age 59 1/2 without income tax consequences as long as your Roth IRA has been established for 5 yrs.


Taxable first
Tax-deferred last
How much to take
How to manage


© 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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