TIME TO REJUVENATE

Your 60s. The time to put more energy into the things you love—explore that second career, spend more time with family, volunteer in your community, travel, savor life.

As you approach retirement, you have an important transition to make. Instead of earning a paycheck, you'll have to start paying yourself. 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.

Rollover your retirement plans - Its time to consolidate. Consider rolling all your tax-deferred investments from previous employers' retirement plans into one rollover IRA to help simplify your financial situation.¹
Seek confirmation - It may help to review your strategy with a qualified adviser who may help make the process simpler and catch any potential pitfalls you may have missed.
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.
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.²
Insure for future needs - Look into long-term care insurance, which can help meet expenses that could deplete your estate in the case of an extended illness.²
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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.

Talk to Wachovia

At Wachovia, we can help you make adjustments to your current savings and investment plan so it better aligns with your retirement vision. As your investing needs become more complex, a Wachovia Securities Financial Advisor can work with you to build a retirement income plan designed around your needs.

Contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists³ or call the Retirement Resource Center at:

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

03/07 49475

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

³ 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.