DO YOU HAVE A SOUND STRATEGY FOR RETIREMENT?

Learn effective strategies that can help protect your money and
help your retirement even in today's volatile economy!

Current economic events have some people confused and concerned about their retirement. To sit and wait may not be a prudent strategy to ensure that your retirement income lasts as long as you do¹.

Consider that following facts:
- In 2011, the national debt surpassed $15 trillion for the first time*.
- In addition to stock market volatility, reduced home equity has also contributed to losses in retirees' net worth.
- Does your current economic situation worry you might get laid off?

Join us as we discuss many common retirement concerns including:
- Will I outlive my money in retirement?
- In this economy, are there actions I can take today to help protect my 401(k), IRA, and pension plan²?
- Should you convert your retirement account to a Roth³?

Any transaction that involves a recommendation to liquidate a securities product, including those within an IRA, 401(k) or other retirement plan, for the purchase of an annuity or for other similar purposes, can be conducted only by individuals currently affiliated with a properly registered broker/dealer or registered investment adviser. If your financial professional does not hold the appropriate registration, please consult with your own broker/dealer representative or registered investment adviser for guidance on your securities holdings.

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* Foxnews.com, "National Debt Hits $15 Trillion as Congress Strains to Cut $1.2 Trillion From Deficits", November 16, 2011

¹ Guarantees are backed by the financial strength and claims paying ability of the issuer

² Please note that in order to provide a recommendation to a client about the liquidation of a securities product, including those within an IRA, 401(k) or other retirement plan, to purchase a fixed or variable annuity or for other similar purposes, you must hold the proper securities registration and be currently affiliated with a broker/dealer or registered as an investment adviser. If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the state(s) in which you conduct business.

³Please remember converting your traditional IRA to a Roth IRA is a taxable event and could result in additional impacts to your personal tax situation, including the taxation of current social security benefit payments. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.
It is generally preferable that you have funds to pay the taxes due upon conversion from funds outside of your IRA. If you elect to take a distribution from your IRA to pay the conversion taxes, please keep mind the potential consequences, such as an assessment of product surrender charges or additional IRS penalties for premature distributions.