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Plan Income

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“When you move to retirement, you’ll want to rearrange your money.”

Until recently, your money was structured for saving. Things were set up so money could easily flow in (perhaps via payroll deduction to your employer-sponsored plan), or to other savings accounts. Now, that you’re nearing retirement, you may want to move at least some of this money. Here’s why. Some accounts aren’t set up to pay regular income; others may not be “liquid” enough so that you can easily get cash any time it’s needed.


In steps 1 and 2, we talked about defining your fixed monthly expenses. That’s one part of step 3’s allocation model. Now, we’ll give you some suggestions on how you can divide and hold money for immediate monthly needs, unexpected needs, and long-term needs. Click the links and we’ll walk you through.

Allocation model
How the model works
Model case study
Model dos and don’ts


“Does this seem like too much heavy lifting?”

Managing retirement income is well worth the effort, but not necessarily something the average retiree wants to tackle. Need help? Just Contact Us.

Allocation model
How the model works
Model case study
Model dos and dont's

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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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