If you want to Retire on Your Terms but you're not sure how, this is the place to start! Click here for information from Ben Stein on Retirement Planning. A N N U I T Y   B A S I C S Learn All About Annuities! What is a Variable Annuity? A variable annuity is a contract with an insurance company in which your money accumulates Tax-Deferred in professionally managed funds. And, you can feel safer knowing your beneficiaries will receive a Guaranteed Death Benefit if you die when the market is down. Variable annuities allow you to use strategies like Dollar Cost Averaging to control the purchase price of your investments and Automatic Portfolio Rebalancing to maintain your preferred level of risk. Tell me more... S H O P P I N G   F O R   A N N U I T I E S Variable annuities offer control and flexibility, as well. There's a lot to know about Choosing an annuity because there are many options. For example, there are different ways to Purchase an annuity and different types of annuities to choose from, like Immediate & Deferred and Qualified & Non-Qualified. You choose which Portfolios to invest in, and when you want to Transfer money from one annuity portfolio to another, you get to do so tax-free. Tell me more... I N C O M E   O P T I O N S Variable annuities can also help your money last longer. You decide when to begin collecting your Retirement Income. Once you make that decision, you need to know how to Manage Your Income*. For example, there are a number of ways you can receive it. One option is to Annuitize your contract. Annuitization can provide you with Guaranteed Payments ** for the rest of your life-no matter how long that is. Lifetime income payments can be for Your Lifetime, the Lifetimes of Two People, or other ways. And, variable annuities can serve as a hedge against Inflation since you can base your income payments on the performance of the Underlying Funds in which you invested. While you assume the risk that your income payments may decline, you are also provided with the possibility that they will grow if your underlying funds perform well. Tell me more... R E T I R E M E N T   F U N D I N G Now is the time to Take Charge of your retirement!! Learn about Social Security, Pensions, Contribution Plans, Salary Reduction Plans, Annuities, and the Taxes you will and will not owe in retirement, and much, much more. Tell me more...  INVESTING Find out more about investing. Read about the Basics, Risk and Reward, Stocks, Bonds, and Mutual Funds. Plus, learn about important investment tools like Dollar Cost Averaging and Investment Allocation.  LIBRARY Short articles, brochures, book titles, Web addresses on retirement planning and more!  QUIZ Are you prepared for retirement? Take our quiz to find out what can affect your financial security in retirement.  CASE STUDIES Read about people planning for retirement and some options that may be of interest to you.  CALCULATORS  FAQs
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* Please note: Withdrawals prior to age 59 1/2 are subject to a 10% IRS tax penalty. ** Guaranteed lifetime income payments are subject to the claims-paying ability of the issuer.