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Understanding Your Challenges is the First Step

Whether you're recently retired or just beginning to think about retiring, you're in what Prudential calls The Retirement Red Zone. It's a critical time when you need a strategy for turning your savings into retirement income that can last a lifetime.

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Key Financial Challenges

You'll Face in The Retirement Red Zone®

Navigating Uncertain Markets

Is it up? Is it down? You'll need strategies that can lessen its impact on your future income.

Keeping Pace with Rising Costs

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

Outliving Your Income

You need a retirement income that can last into your 80s, 90s, maybe even 100s.

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Navigating Uncertain Markets

You will experience market volatility

How you react to market volatility can affect your retirement portfolio dramatically. Common emotions like fear (in downturns) and overconfidence (in upturns) often lead to poor investment decisions. Volatility can also prompt you to search for more conservative investments to help protect your retirement income. But during extended periods of low interest rates, traditionally safer options – such as savings accounts and 6-month Treasury Bonds – can make it tough to produce enough income for retirement.

Over the 20-year period from 1997-2016, the average investor’s return was just 2.29%, far below the return of stocks (7.68%) and bonds (5.29%) over the same period.

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

Graph showing an average investor’s return for 20-year period from 1997-2016, was just 2.29%, far below the return of stocks at 7.68% and bonds at 5.29% over the same period.

BlackRock; Bloomberg; Informa Investment Solutions; DALBAR as of 12/31/2016

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*Stocks are represented by the Standard and Poor’s 500 Index (S&P 500)
**Bonds are represented by the Bloomberg Barclays U.S. Aggregate Bond Index.
Indexes are unmanaged, and it is not possible to invest directly in an index.
*** Based on an analysis by DALBAR Inc., which uses the net of aggregate mutual fund sales, redemptions and exchanges each month as a measure of investor behavior.

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A healthy 65-year-old couple retiring in 2018 will need $280,000 to pay for medical expenses

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 retiring in 2018 will need $280,000 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, Retiree Health Costs Estimate 2018. Costs may vary by state.
2  Based on an inflation rate of 3%. Actual inflation rates may fluctuate over time.

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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 retirement savings and income.

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.

Expected Life Span of Individuals and Couples age 65 3:

50% are expected to live to age 87 for men, 90 for women and 94 for couples. 25% are expected to live to age 93 for men, 96 for women and 98 for couples.
 

3 Society of Actuaries RP-2014 Mortality Table projected with Mortality Improvement Scale MP-2014, 2016

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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.

Withdrawals in excess of the income amount impact the value of a product or benefit and can also affect the certainty of the income. An excess withdrawal occurs when cumulative Lifetime Withdrawals exceed the income amount in an annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally and permanently reduce future guaranteed amounts. If an excess withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates.

For Compliance Use Only: 1000373-00002-00

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