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

Quantify | Identify | Allocate | Liquidate | Plan for Later | Contact a Pro

“Don’t get blindsided.”

Even carefully laid income plans can go awry. So be sure to guard against risks that can potentially deplete your retirement stash.

Let’s say you’re a conservative investor and have all your savings in lower-risk investments returning about 5% annually. If inflation is running at 4%, you’re actually clearing only 1% return … and thus trading safety for the potential to accumulate. That 1% cleared today will buy even less in later retirement when inflation has also done its worst to the price of food, electricity and everything else you can’t live without.
If you’re married, be sure to consider income options that can continue to pay beyond the death of the first spouse. Better to live on a little less today than to leave nothing for tomorrow.

People are living longer nowadays. Especially if you retired early, spend wisely so you’ll have enough for later years. Remember, experts suggest that an optimal annual withdrawal is about 4 percent of total savings.
As people age, they may need more health care. Some services, for instance those for long-term care, are costly and not usually covered by Medicare.


"Long-term care insurance can lighten load on retirement funds."

Rather than paying for long-term care out-of-pocket, consider insurance. Here’s more.



© 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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