Quick Reference

5 RETIREMENT MISSTEPS

Most investors do not appreciate the impact fees have on their retirement finances. For example, a mutual fund can be priced at 75 or 100 basis points (bp); advisors may charge between 50 and 100 bp; and, variable annuity wrapper fees can be between 35 and 135 bp.

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PLAN FOR RETIREMENT INCOME

The challenge for investors, whatever the amount of their retirement savings, is how to convert those savings into the highest amount of dependable, spendable income.

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INCREASE FUTURE INCOME

Many investors make the mistake of believing the only retirement savings they have, or will ever have, is in their 401(k) and/or IRA. In reality, for these investors, 401(k) and IRA savings on average represent less than 50% of their financial assets.

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GUARANTEE CURRENT INCOME

For over 100 years, Fixed Payout Annuities (FPA) have been giving peace of mind to investors by paying consistent income for life. Issued and guaranteed by life insurance companies, an FPA might just be right to help you achieve dependable, spendable income in retirement.

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