Nationwide Insurance/ Financial Services
Barry A. Gangwer, CLU, ChFC, LUTCF
Financial Associate
Tobash Insurance and Financial
115 E. Broad St.
Tamaqua PA 18252
570-668-6934
570-427-4812
bgangwer@localnet.com

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Retirement Planning with Annuities

December 17, 2008

	Estimating Your Retirement Income Needs You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.
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	Annuities and Retirement Planning You may have heard that IRAs and employer-sponsored plans (e.g., 401(k)s) are the best ways to invest for retirement. That's true for many people, but what if you've maxed out your contributions to those accounts and want to save more? An annuity may be a good investment to look into.
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How a Variable Annuity Works

In the accumulation phase, you (the annuity owner) send your premium payment(s) (all at once or over time) to the annuity issuer. These payments are made with after-tax funds, and you may invest an unlimited amount.
You may choose how to allocate your premium payment(s) among the various investments offered by the issuer. These investment choices, often called subaccounts, typically invest directly in mutual funds. Generally, you can also transfer funds among investments without paying tax on investment income and gains.

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	Immediate vs. Deferred Annuities Immediate vs. Deferred Annuities table.
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	Fixed vs. Variable Annuities Fixed vs. Variable Annuities table.
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	Handling Market Volatility Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake.
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	Asset Allocation Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn't about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the right proportion to match your financial goals, the amount of time you have to invest, and your tolerance for risk.
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