SecurePath by Transamerica

Your retirement will take a different direction from the one your parents took.

Today is a good day to retire. Retirement no longer means retreating to a dusty back porch rocking chair. It means reinventing yourself, redefining your world and reclaiming your dreams. It's an exciting, exhilarating time.

Yet like all adventures, retirement comes with questions. "Am I prepared?" "What are my options?" "What are the risks?" "Which way do I go?" SecurePath by Transamerica has answers. Even better, we have a strategy that inspires confidence by helping you plan for and transition smoothly through the next direction on your life's path.

Our professional Financial Advisors, who are Investment Advisor Representatives of InterSecurities, Inc., provide straight talk and guidance on turning your retirement savings into income strategies. We'll help you plan for the transitions you face on your path to retirement.

Sound good? Read on. Your future is waiting for you.

What's standing in your way? You have a great start with your Social Security complemented possibly by a pension, 401(k) and other retirement savings that have been growing for years. Now it's time to decide how you will turn your savings into a lifetime income strategy.

The challenge is staying in control, so you can enjoy the walk despite dangers along the way. Pay special attention to four main challenges that put your income strategy at risk. None of them is new, yet they become even more important when you implement your strategy:

• Inflation.
  In the six decades since the end of World War II, inflation has averaged about 3% per year. When you are working, your wages keep pace or surpass that 3%. But once you retire, you could fall steadily behind; in twenty years you'll need $90,000 to buy what you can purchase with $50,000 today.
  (Source: U.S. Dept. of Labor, Bureau of Labor Statistics)

• Market fluctuation.
  Periodic drops in the stock market might not be an issue when you're investing over many decades, because historically the long-term trend of the market is up. But a drop in the market in the five years on either side of retirement may impact your chance to use that trend and recoup your losses.

• Health care costs.
  Like the cost of living, the cost of medical care seems only to go up. Studies show that after age 65, you will spend more than $100,000 on out-of-pocket medical costs over the rest of your life. And as you grow older, your health care needs are likely to increase as well. Annual costs at age 65 are $11,000. At age 75, it's $12,000. At age 85, the cost is $18,500. And, these expenses exclude the high cost of long-term health care. (Source: Employee Benefit Research Institute)

• Your own longevity.
  People are living longer. There's a 50% chance that one member of a male/female couple age 65 today will live past 92. That's great news, as long as your income can last along with you.

You wouldn't explore new paths in foreign countries without an experienced guide. The retirement path is no different. And while this may be new terrain for you, it's familiar to our Financial Advisors. That's why their support makes such a difference. Financial Advisors are as adept at listening to your concerns as they are skilled at helping you take the right direction.

During your phone conference with a Financial Advisor, you'll discuss how you see the next phase of your life. Together you'll list the money you've set aside and the fixed and discretionary expenses you anticipate. From there you can identify any gaps.

You'll get:

• Straight talk and insight from financial professionals without the jargon and financial-speak. They'll talk with you person-to-person about how to protect and manage your hard-earned savings. And how to avoid risks.

• A complete picture and a clear understanding of what you have. This might include retirement savings, home equity, Social Security and other income.

• A plan for turning assets into regular income along the retirement path. We'll show you how to go forward with the money you've saved.

Set out toward your future.

Take the next step. Have a no-obligation conversation with a Financial Advisor. To make the most of the call, take some time to get organized. Collect key documents, then call a Financial Advisor at the SecurePath Answer Center today at 1-866-300-0028 between 7:00 a.m. and 7:00 p.m. Monday-Thursday or 7:00 a.m. - 5:30 p.m. Friday, Central Time.