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.
Transfer Assets

Why Plan |  Documents | Strategies
“Quick. Who is the beneficiary on each of your accounts?”

If it took you more than a few seconds to recall all your accounts and their beneficiaries, perhaps some updating is in order. That’s because, as years go by, your life changes. Maybe you got married, or remarried. Or, maybe you drew up a will and figured that would take care of everything. Beneficiary designations are critical. Let me illustrate:



Document Don't #1 - Out-of-date beneficiary
1990
Charlie opens an employer-sponsored-plan account and designates his sister, Dorothy, beneficiary.
1993
Charlie marries Clara.
2003
Charlie and Clara draw up a will each leaving everything to the other. (Charlie forgets about his long-ago beneficiary designation.)
2004
Charlie dies unexpectedly. Dorothy, the sister, inherits all the money in Charlie’s employer-sponsored plan because beneficiary designations supercede instructions in a will. Clara, the wife, is none too happy.

Periodically check your beneficiary designations to make sure they are up-to-date and still in keeping with your wishes.

Beneficiary designations
Titles
Wills
Durable power of attorney


© 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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