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
“Let’s give it away today.”

Aside from the emotional lift of generosity, gifting during your lifetime can remove money and its potential appreciation from your estate (and, later on, the potential tax burden for your heirs). Under current tax law, you can give up to $11,000 annually (or, $22,000 if you are married) without gift tax. For instance, you may wish to give cash, securities or other assets to your family members, or save for your grandchildren’s educations.



If you are more charitably inclined, you can gift up to the same amounts each year to donor-advised funds, or to a private foundation you set up. When you give to charity, you have the added advantage of being able to take an income tax deduction. Gifting is a noble endeavor, and a great way to manage future taxes. Before embarking on this strategy, though, just be sure your gifting will not be hurting your future financial security.
Gifting
Transfer of tax-deferred assets
Insurance trusts
Other trusts


© 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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