WHAT'S NEXT?

Are your kids finally moving out of your house and off the payroll, or are you finally in the role you've always dreamed of?

From career to family, your 50s have a lot of memorable milestones. Lifetime Retirement Planning with Wachovia can help you enjoy the unique possibilities your life offers today, and help make your life in retirement all you want it to be when you get there.

Rollover your retirement plans - It's time to consolidate. To simplify your financial life, consider rolling all your tax-deferred investments from previous employers' retirement plans into one rollover IRA.¹
Save more - Try to boost your savings rate to 20% or more.
Catch up on your IRA - Chances are you weren't excited to see that subscription to AARP. But the good news is you know you're only as old as you feel and once you are over 50 you qualify to make additional catch-up contributions to your retirement plan.
Allocate your assets - As you near retirement, consider gradually shifting your asset allocation to help reduce risk.²
Protect your investment - You do everything you can to protect your family and your home. But what about you? Consider taking steps to help protect your retirement assets with an annuity.
Plan for loved ones - It's no surprise that on average women live longer than men. Life insurance can help replace pension or Social Security income in the event you outlive your partner or spouse.³
Change that new business idea from ‘like to' to ‘I did'!

Monitor Your Plan

One of the keys to investing for retirement is developing a plan that makes sense for you, and then monitoring your progress along the way. Wachovia can help you determine where you are, identify your retirement income needs, keep you informed about the choices available to you, and work with you to make any necessary adjustments. Our Free Retirement Consultation is a great first step to see if you're on track or if there is a potential gap in meeting your retirement needs

Talk to Wachovia

At Wachovia, we offer access to information and strategies you need to help build a realistic, well-integrated plan that evolves as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help you be confident wherever you are in your life.

Contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists⁴ or call the Retirement Resource Center at:

(866) 588-9606
8:00am - 8:00pm ET
Monday - Friday

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¹ Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

² Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

³ Insurance products are offered through nonbank insurance agency affiliates of Wachovia and are underwritten by unaffiliated insurance companies.

⁴ Licensed Financial Specialists (LFS) are registered with Wachovia Securities. These associates are Wachovia Bank, N.A. employees and are not employed by Wachovia Securities. Investment products and services are offered through the Investment Services Group of Wachovia Securities.

Wachovia and Wachovia Securities do not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that may have tax consequences.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.