You work, you save, then you retire. Then what? Retirement means different things to different people. What do you want to do in your next phase of life? We’ll help you find a way to make it a reality: income is the common element to a confident future.

Years ago, retirees lived on Social Security and their pensions. Today, many people are living longer and hoping to enjoy their ‘golden years’, but don’t have those pensions to rely upon. This is why pre-retirement planning is key.

Additionally, we may not know when that last day on the job will occur. For some, it occurs abruptly and unexpectedly by way of disability or layoff. If you haven’t done the serious planning, you risk making hasty, ill-informed decisions that can have lasting consequences for years to come.

Here are some important considerations:

• Investment asset allocation
• Income from investments
• Health benefits
• Retirement distributions
• Social Security benefits
• Estate planning

TRANSFERRING YOUR ESTATE

Many people have a strong desire to leave something to their children, grandchildren and perhaps a favorite charity. The use of life insurance can help you pursue these objectives. For example, life insurance can be used to create an estate or to equalize an estate transfer among your heirs.