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Understanding Your Challenges is Your First Step to Meeting Them

Explore each challenge and learn about the strategies we've developed to help you face each of them with confidence.

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Learn More about the Four Key Financial Challenges You'll Face in Retirement

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Outliving Your Retirement Income

The great news today is that we’re living longer and have more time to spend with loved ones. But longevity also comes with the challenge of maintaining your current lifestyle in retirement without outlasting your savings.

Will you be ready for a retirement that can easily last into your 80s, 90s, and maybe even 100s?

Consider a plan for generating retirement income that can last through your retirement.

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Keeping Pace with Rising Costs – Particularly Healthcare

The cost of healthcare is arguably one of the biggest financial issues facing Americans today. And it’s an even bigger concern in retirement when health issues may be more likely to arise.

In fact, it's estimated that an average, healthy, 65-year-old couple will need $245,000 to pay for medical expenses for the remainder of their lives.1

And then there's inflation, cutting the value of your money in half every 22 years. So if you're 45 today, you can expect to see prices double not once but twice during retirement.2

Healthcare, food, utility costs–good planning can help keep your stress from rising with them.

Footnote

1 Fidelity Benefits Consulting, Estimated Health Costs in Retirement Rise, 2015
2 Based on an inflation rate of 3%. Actual inflation rates may fluctuate over time.

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Minimizing Your Tax Burden

Although taxes today are relatively low across all income brackets, there’s a chance that taxes will increase since the U.S. national debt is over $19 trillion.3 The national debt could also have a ripple effect on state and local taxes if government subsidies are reduced.

Taxes cut into your investment base and take a bite out of your retirement savings.

Strategies with tax-efficient growth opportunities can help keep more of your money invested and working hard for your future.

Footnote

3 www.usdebtclock.org, accessed July 2016

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Overreacting to Market Volatility

Dealing with the ups and downs of the market is a natural part of investing. It can be a challenge to stay on track with a long-term plan through periods of market volatility. You may overreact to near-term events rather than relying on the strength of the market to perform over time.

Market volatility can prompt you to search for more conservative investments to help protect your retirement income, often at the most inopportune times. And low interest rates on traditionally safer options–such as savings accounts and 6-month Treasury Bonds–can make it tough to produce enough income for retirement.

The challenge is finding opportunities for growth with strategies that don’t put your future retirement income at risk.

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Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professional. Please read the prospectus carefully before investing.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details.

All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

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