1 It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing 1
2 Staying on course: Today s agenda Workshop overview Retirement Advisor Understanding saving Risk tolerance Asset classes Asset allocation IRAs: Which is right for you? Investing in stocks & mutual funds Demystifying the annuity Tools you can use Action steps and Q&A
3 Trivia: Opening round 1. What percentage of Americans has no confidence that they ll have enough money to retire comfortably? 2. What percentage of Americans report that they aren t contributing to any retirement plan?
4 The basics Where to begin? Assess your current situation Get out of debt Make saving a priority Create a budget, and stick to it Pay yourself first
5 Retirement Advisor - How much will you need? Use TIAA-CREF s tool to figure out your personal retirement situation.
6 Understanding saving: The rainy day will come Take advantage of employer retirement plans Start saving right away to take advantage of compound interest Put some savings toward an emergency fund Consider saving at least 10% of your income each year Consider tax advantages when looking into investment vehicles 403(b) tax-deferred annuity plans An IRA can give you a tax-advantaged boost! Dollar Cost Averaging does not guarantee a profit nor remove the risk of a loss in a declining market. Such a plan involves a continuous investment in securities regardless of fluctuating price levels of such securities. An investor should consider his/her financial ability to continue participating in such a plan during periods of low levels.
7 Investing in stocks: The Rule of 72 How long does it take to double your money? 72 9 the magic number your percentage rate of return as a whole number = 8 years it will take to double your money
8 Assumptions: 6.0% net rate of return; monthly contribution of $100 into a tax deferred account. This example is purely hypothetical and is not intended to represent the performance of any specific investment product. It is not intended to predict or project performance.
9 Investing: Find your type Vehicles vs. Investments Vehicles: 401(k), 403(b) or other types of investment accounts Investments: Stocks, bonds, mutual funds, annuities Keep an eye on your credit score 9
10 Understanding your risk tolerance What s your risk level? Conservative Moderately conservative Moderate Moderately aggressive Aggressive What s your time horizon? - There are inherent risks associated with investing in securities, including loss of principal. The greater the risk, the more likely you can lose money. An investor s needs and the suitability of an investment should be carefully considered prior to purchase.
12 Class is in session Asset classes Guaranteed Money market Fixed income Real estate Stocks (a.k.a. equities) There are inherent risks in investing in securities. Past performance is no guarantee of future results. In addition, investment returns and principal value will fluctuate so your accumulation, when redeemed, may be worth more or less than the original cost. * Subject to TIAA s claims-paying ability. ** In California, the TIAA Real Estate Account is available through IRAs, but not all employer-sponsored plans. Please contact us to determine if your institution s plan can accept investments into the account.
13 Asset Allocation: Diversify your portfolio Diversify your portfolio to avoid big investment value fluctuations Divide your investments into stocks, bonds and cash equivalents Diversify by sector also (retail vs. energy vs. etc.) As you get closer to retirement, you may want to shift more investments to safer options Examples - Bonds, cash and a guaranteed account
14 Diversification is a technique to help reduce risk. However, there is no guarantee that diversification will protect against a loss of income. The strategies of diversification, rebalancing and asset allocation cannot eliminate the risk of investment losses or guarantee that an investor's goal will be met.
15 IRAs: Traditional vs. Roth Traditional Contributions may be tax deductible Tax-deferred potential growth No income limits to make contributions Roth Contributions made with after-tax dollars Withdrawals can be tax free (conditions apply)
16 Investing in stocks a primer A stock is a piece or share of something valuable Stocks are also known as equities Stocks are volatile investments their value can vary a great deal in a short time period BUT that s looking at too big a picture! Past performance does not guarantee future results.
17 Mutual funds: Strength in numbers Generally made of several assets, like stocks or bonds Money is pooled to buy assets for the investors who own part of the fund Retirement accounts can invest in mutual funds After tax vs. employer-sponsored retirement plans 17
18 Demystifying the annuity An annuity is a contract between you and an insurance company There are different kinds of annuities: Fixed vs. variable annuities Some annuities offer the option of lifetime income Myths about annuities
19 More trivia! No financial experience needed What percentage of marriages begin online these days?
20 Average annual total returns ( ) (Subtract inflation from the nominal return to get the real return.) % Treas ury Bills Chart illustrates returns from 1/1/1926 to 12/31/2014. *Real Estate returns are from 12/31/ /31/2014 from NCREIF Index % % Stocks Source: Ibbotson Associates, a wholly owned subsidiary of Morningstar, Inc. These returns are for illustrative purposes only and do not reflect TIAA-CREF performance or the returns various kinds of investments may earn in the future. Stocks represent shares of ownership in a corporation, bonds are debt obligations and real estate is direct property ownership. The value of each will fluctuate with market conditions. Treasury bills (T-bills) and government bonds are insured as to timely payment of principal and interest by the U.S. government, unlike stocks and corporate bonds. T-bills are short-term money market instruments. Past performance does not guarantee future returns. S&P 500, Ibbotson U.S. Long Term Corporate Bonds, Ibbotson U.S. Long Term Government Bonds, Ibbotson U.S. 30-Day Treasury Bills, U.S. Consumer Price Index for All Urban Consumers (CPI-U). Please note that the indexes are unmanaged and that it is not possible to invest directly in an index.
21 You re in control of your investments: Next steps Pay off debt Make and stick to a budget Discover your investment personality Build your investment mix Review your retirement plan regularly Use our online tools: Schedule an appointment with a financial consultant
22 Tools and resources Retirement Advisor Selecting the right IRA
23 Congratulations. You ve invested in your future today. Questions?
24 Action steps Call Monday to Friday, 8 a.m. to 8 p.m. (ET) to schedule a one-on-one session with a TIAA-CREF Financial Consultant Schedule online at
25 Sources 24% of working Americans, and 14% of retirees, are not at all confident about having enough money for a comfortable retirement. 1 Employee Benefit Research Institute, Issue Brief The 2015 Retirement Confidence Survey: Having a Retirement Savings Plan a Key Factor in Americans Retirement Confidence, April 2015 Nearly 4 in 10 American workers say they aren t contributing to any retirement plan, according to a 2014 study by the Employee Benefit Research Institute. 2 Employee Benefit Research Institute, Issue Brief The 2015 Retirement Confidence Survey: Having a Retirement Savings Plan a Key Factor in Americans Retirement Confidence, April 2015 We ve seen that over half of all Americans say they are not contributing to any retirement plan. That number goes up to 69% when you look at just Gen Y the people in the 18 to 34 range, which is worse. 3 TIAA-CREF Institute/Global Financial Literacy Excellence Center, College-Educated Millennials: An Overview of Their Personal Finances, February 2014 Health expenses increase steadily with age. Households between ages 50 and 64 spent 8% of their total budget on health items, while those ages 85 or older spent 19% of their budget on health items. Health-related expenses occupy the second-largest share of total expenditure for those over age Employee Benefit Research Institute, How Does Household Expenditure Change With Age for Older Americans? September 2014
26 Sources Asset allocation involves dividing an investment portfolio among different asset categories you may be able to limit your losses and reduce the fluctuations of investment returns. 5 Securities and Exchange Commission, Beginners Guide to Asset Allocation, Diversification, and Rebalancing, accessed August 2015 Nearly one-third (32%) of all marriages begin online 6 Cyberpsychology, Behavior, and Social Networking, Is Online Better Than Offline for Meeting Partners? Depends: Are You Looking to Marry or to Date? October 2014
27 The Retirement Advisor does not monitor your retirement assets or personal circumstances. The purpose of the retirement income tool is to show how the performance of the underlying investment accounts could affect the participant's policy cash value and the resulting retirement income. It is not intended to project or predict investment results. The advice may vary over time and with each use. There may be other investments not considered by the Retirement Advisor that have characteristics similar or superior to those being analyzed. The tool s advice is based on statistical projections of the likelihood that you will achieve your retirement goals. The projections rely on financial and economic assumptions of historical rates of return of various asset classes that may not reoccur in the future, volatility measure and other facts, as well as information you have provided. IMPORTANT: Projections and other information generated through the Retirement Advisor regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results and are not a guarantee of future results. The projections are dependent in part on subjective assumptions, including the rate of inflation and the rate of return for different asset classes. These rates are difficult to accurately predict. Changes to the law, financial markets or your personal circumstances can cause substantial deviation from the estimates. This could result in declines in the account s value over short or even extended periods of time.
28 You should consider the investment objectives, risks, charges and expenses carefully before investing. Call or log on to tiaacref.org for underlying product and fund prospectuses that contain this and other information. Read the prospectuses carefully before investing. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa-cref.org for details. It is possible to lose money when investing in securities. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. The TIAA-CREF Retirement Advisor is a brokerage service provided by TIAA-CREF Individual & Institutional Services, LLC, a registered broker/dealer and member of FINRA. After-tax annuities are issued by TIAA-CREF Life Insurance Company, New York, NY. Each is solely responsible for its own financial condition and contractual obligations. Annuities are designed for retirement and other long term goals. If you choose to invest in variable annuities, your money will be subject to the risks inherent in investing in securities. Annuities offer several payment options, including lifetime income. Guarantees are based on the claims-paying ability of the issuer. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance. Withdrawals of earnings from a retirement account or annuity are subject to ordinary income tax, plus a possible federal 10% penalty if you make a withdrawal before age 59½.
29 The tax information contained herein is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed herein. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA- CREF), 730 Third Avenue, New York, NY C25648 (09/15)
30 Thank you! Call Monday to Friday, 8 a.m. to 8 p.m. (ET) to schedule a one-on-one session with a TIAA-CREF Financial Consultant Schedule online at
Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015
Strategies for staying on track throughout your retirement TIAA-CREF and you: Planning an income for life For nearly a century, we at TIAA-CREF have dedicated ourselves to helping those who serve others
Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater
Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum
SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs
Tax-smart ways to save and invest TIAA-CREF Financial Essentials Today s agenda: 1. Finding funds for saving 2. Tax law provisions promoting saving 3. TIAA-CREF savings opportunities 4. TIAA-CREF can help
Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF
LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,
Transfers and Withdrawals from the Tiaa Traditional annuity Tiaa s Transfer Payout annuity This guide has information about moving funds out of the Tiaa Traditional annuity using the Transfer Payout annuity
TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll
SAVING FOR RETIREMENT The ROTH CONTRIBUTION Option ABOUT TIAA-CREF TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical, cultural and research fields. We are committed
Your Retirement Income Options TIAA-CREF Financial Essentials Today we will discuss: 1. Determining your retirement income needs Income sources Covering your expenses 2. Threats to your retirement cash
Why choose TIAA-CREF? Investing for retirement requires a lot of thought. TIAA-CREF has spent nearly 100 years thinking about it for you. Investing to achieve your personal financial goals can often present
Saving for Retirement Your guide to getting on track. 2 It s great that you re looking ahead and thinking about retirement now. A sound plan can make all the difference in reaching your future goals. This
Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans How much can you contribute in 2015? Tax-Deferred Annuity Plans ( TDA Plans ) are voluntary savings plans that help you build the extra
Taking the next step A guide for beneficiaries TIAA-CREF listening, caring, ready to serve At TIAA-CREF, we ve been helping people build their financial futures for nearly a century. We started out offering
Power. Simplicity. Value. TIAA-CREF Brokerage Services: The freedom to build, control and adjust your portfolio of investments according to your goals. We have a 95-year legacy of trust. TIAA-CREF Brokerage
SAVING FOR RETIREMENT ROTH 403(b) CONTRIBUTIONS A NEW WAY TO SAVE FOR RETIREMENT TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs of those in the
Streamlined withdrawal processing The online withdrawal process on the secure My TIAA-CREF website has the same easy-to-use navigation and functionality as other websites that you visit regularly to shop,
A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803 TODAY S DISCUSSION 1. WHAT IS THE ROTH OPTION? 2. WHO MIGHT BENEFIT? 3. CONTRIBUTION LIMITS 4. DISTRIBUTION AND ROLLOVER OPTIONS 5. WHAT
BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD FOR MORE THAN 85 YEARS, we have been helping millions of people working in the academic, medical and
Preparing Your Savings for Retirement The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of future health
IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? 2. 3. CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences
Traditional and Roth IRAs Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the
TIAA-CREF LIFE GOALS SERIES SAVING FOR RETIREMENT INVESTING AT WORK AND ON YOUR OWN TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR HISTORY For more than 90 years, TIAA-CREF has been dedicated to
Paving the way to a secure retirement: A model DC approach Life expectancy (age) 95 90 85 49% 73% 0 20 40 60 80 100% Probability at age 65 A couple at age 65 has an 89 percent chance of one of them living
Vanguard Financial Education Series investing How to invest your retirement savings During your working life, you ve saved and invested for retirement. Now that you re finally reaching retirement, consider
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.
Your Number. Every person has one. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency ANNUITIES Your future. Made easier. SM Know
The essentials of investing for retirement. Fidelity has been helping people invest for retirement for more than 65 years. Some investors use our actively managed and index mutual funds. Some use our powerful
LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,
The easy way to save for your retirement If you want to live comfortably during your retirement, you really can t afford to wait to begin saving for that goal. And now that your employer is offering the
Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W INVEST Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer
Your fiscal fitness review Financial wellness tips, tools and checklists from TIAA-CREF Keeping fiscally fit is more important than ever before. No matter where you are in your life and career, chances
JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to
PLACEHOLDER IMAGE Replace with Photography Your guide to Tax-Deferred Annuities or Voluntary Savings Plans How much can you contribute? Saving for retirement is one of your most important financial goals.
TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs. Securing a lifetime of retirement income TIAA-CREF: Financial services More than 90
MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make
TIAA-CREF Life Insurance Company TIAA-CREF Investment Horizon Annuity Save tax deferred with guaranteed rates TIAA-CREF: Financial services Almost 100 years ago, Teachers Insurance and Annuity Association
Get Started Today F I D E L I T Y GROWTH AND GUARANTEED INCOME, 1 Bring security and growth potential to your retirement income. Dear Investor: Thank you for your interest in the Fidelity Growth and Guaranteed
Empower Retirement TM IRA Whether you ve been a participant in an employer-sponsored group retirement plan, are new to retirement saving, or are just exploring other retirement savings options, the Empower
SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy
Building Toward Retirement A practical guide to growing your money. Starting to consider retirement more seriously? Now s the time to maximize your savings opportunities and maximize the growth of your
Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Table of Contents Be prepared for the changes ahead 1 Your new investment menu 2 Investment
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
EXPAND YOUR RETIREMENT PLANNING HORIZONS By AXA Association Business Solutions AIA Members Retirement Program Phone: 800-523-1125, Option 3 Web: www.axa2plan.com Email: firstname.lastname@example.org 1 Important
Guaranteed income for life. In any market. Schwab Retirement Income Variable Annuity with optional Guaranteed Lifetime Withdrawal Benefit. A variable annuity from Charles Schwab, issued by Pacific Life
Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Welcome to your updated retirement program. What do the updates mean to you? How
october 2012 Understanding Traditional and Roth IRAs summary An Individual Retirement Account (IRA) is a powerful savings vehicle that can help you meet your financial goals. As shown in the chart on page
Making the most of your retirement Your income options This brochure is for people within 10 years of retiring and starting to explore the options for withdrawing funds from their retirement plans. You
You ve worked hard for your savings. Now keep your savings working hard for you. Retire with confidence A guide to your distribution options. You are now faced with an important financial decision When
Retirement Information Guide Image courtesy of the University of Utah University of Utah Retirement Plans: 401(a) Defined Contribution Retirement Plan for Plan H Benefit Program Participants and Employee
The IBM 401(k) Plus Plan Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Dollar-for-dollar company match, automatic company contributions, broad range of investment options
TIAA-CREF IRA Survey Executive Summary March 18, 2015 1 . TIAA-CREF Survey: Despite Low Contributions, More Americans Will Consider IRAs in Their Retirement Planning According to a new TIAA-CREF survey,
Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Variable Annuity Features at a Glance Minimum Deposit $5,000 minimum single deposit
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W I N V E S T Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of State Treasurer
Determining your investment mix Ten minutes from now, you could know your investment mix. And if your goal is to choose investment options that you can be comfortable with, this is an important step. The
Financial Planning Basics Financial Planning Fundamentals An Overview of the Financial Planning Process The Ground to Cover Setting goals Budgeting Emergency fund Insurance Using credit Investing Tax planning
Practice Management Value-Add Programs TIAA-CREF Asset Management Practice Management Preparing you for new investors and new opportunities Say hello to today s new investors. And to tomorrow s retirement
Retirement Savings Tax Planning Tips Given a constantly changing tax environment, what s the most effective way to save for retirement? In the next few years, Congress will decide the fate of several tax
Freedom Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Freedom Variable Annuity features at a glance Minimum deposit $25,000 minimum
Traditional and s Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the financial
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already
THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest
REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS FLEXIBILITY & CHOICE TIAA-CREF UNDERSTANDS YOUR FINANCIAL PRIORITIES can change over time, which is why we offer you a wide range
Single Premium Affinity Variable Annuity Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company Single Premium Affinity Variable Annuity Features at a Glance
Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,
SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? INVEST EASILY FOR YOUR DAY ONE OF RETIREMENT AND BEYOND Prudential SmartSolution IRA Investment
TIAA-CREF LIFE GOALS SERIES LIVING WELL IN RETIREMENT MANAGING YOUR INCOME AND EXPENSES TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA -CREF is dedicated to serving the retirement needs of those
PREPARE NOW FOR THE GOOD LIFE LATER Income Security + Healthcare Security = Retirement Readiness Start Asking Questions Won t my pension be enough? Will I need additional health insurance? How much should
IRAs: Powering Your Retirement One of the most effective ways to build and manage funds to help you meet your financial goals is through an Individual Retirement Account (IRA). An IRA can put you in control
RiverSource Retirement Group Annuity Is your retirement plan taking you where you want to go? The benefits of a 403(b) retirement plan 140765 C (4/13) The benefits of a 403(b) plan. To live the retirement