Important Retirement Planning Questions
Before meeting with a financial professional, it is helpful to know what questions to ask so your conversation is productive and you get the information you need to make smart decisions.
When is the best time for me to retire?
How will my retirement age affect my Social Security benefits?
How much retirement income will I need in addition to Social Security?
What should I start doing now to prepare?
How can I feel more confident about retiring, even if the market is in a downturn?
How risky or conservative should my investments be now and in the future?
How many clients are you helping with their retirement income planning?
How are low interest rates affecting the growth of my retirement savings?
How can an annuity ﬁt into my retirement portfolio?
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.
Annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Variable Annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. Both are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations.
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. A variable annuity is suitable for long-term investing, particularly when saving for retirement, however, it is possible to lose money investing in securities.
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.
CDs are FDIC-insured up to $250,000 per financial institution. There may be a penalty for early withdrawal. Annuities are not FDIC-insured, and returns may fluctuate and be worth more or less than the total purchase payments. Annuities have fees, expenses, annual administration and insurance charges. Annuities also have limitations and withdrawal charges. Withdrawals may be subject to ordinary income tax and a 10% federal income tax penalty if taken prior to age 59½.
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