We have found that the priorities for most people planning retirement are:

• GUARANTEED* income for LIFE
• Control of your money (you can withdraw from your principal)
• NO RISK to principal (which means your assets are not tied to the volatility of the stock market)
• Guaranteed,* potentially increasing income** for life
• Guaranteed money for your heirs and loved ones**
• Guaranteed money to pay for nursing care**
• A fighting chance against inflation

The annuities we employ can offer all of these benefits. The magic is in how we blend the available products in our proprietary plans to fit your individual circumstances. Some of the items listed are part of every plan. Various riders** make some other options available for you to choose, depending on what you want your money to do for you. Our goal is to maximize your return for the things that you feel are important.

We know that the circumstances of life can change. Our retirement income planners are specifically trained to work with clients over the long term, to see that their strategies continue to provide the income and growth they need throughout their lives. If your life changes, we are available to help you negotiate that new territory.

Whatever the case, we work to tailor each retirement income plan to the individual client. We look forward to working with you to help you reach your retirement goals.

* Annuities are contracts between you and an insurance company. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
**Annuity riders may be available for an additional annual premium that may provide additional benefits and income guarantees.

Retirement plans play a crucial role in providing a source of income in our later years. Planning for retirement is often difficult to do. This is why it is important that you work with a professional to ensure that the choices you make today will meet the needs of you and your family tomorrow. With all of the different options available these days, it is important that you understand how each of them will affect your ability to retire comfortably.

Today is the best day for planning your retirement.
We will help you increase your understanding of the common retirement plan components:

• Social Security
• Traditional IRA
• Inherited IRA
• Roth IRA
• IRA Rollovers and Transfers
• 401(k) Plans
• 403(k) Plans
• Qualified Plans
• SIMPLE Plans

You've worked hard all your life to accumulate the wealth you have today. But have you considered where and how you want your assets to be dispersed after your death? We understand that without proper planning, the government could be your greatest beneficiary at the time of your death. Changes in estate tax laws add to the complexity, and often the confusion, when it comes to dealing with these matters. Planning your estate is a team effort between client, attorney and financial planner. We can help you assess your current estate, value and illustrate how much will pass to your heirs and how much will pass to the government, and we can develop a plan based on what you wish to accomplish.

Other areas of expertise include charitable planning and gift planning to reduce the impact of taxes and leveraging assets to provide more to those you love when you are unable to help them along. The longer you wait to do something, the larger the problem becomes.

Our services include:
• Estate Preservation
• Estate Cost Analysis
• Charitable Planning
• Gift Planning
• Tax Savings
• Multi-generational Wealth Transfer

Why should you consider long term care insurance?

If you're like most consumers, you've set aside money for a rainy day. But you probably haven't protected your savings against the expense of an extended illness or disability. You should take action now, because the likelihood of needing such long term care is significant and the cost is high. A study reported by the New England Journal of Medicine in 1992 anticipates that 43% of people over age 65 will enter nursing facilities during their lifetime. More than half of the people in a nursing facility stay more than one year. Currently, the cost of a year in a nursing home averages about $45,000.¹ In addition to nursing facilities, many people will need long term care services in their home, or community services in adult day care centers. It has estimated that 80% of all people age 65 will need either nursing facility services or home or community services during their lifetime.

Long term care insurance is the most efficient means of protecting your assets from this threat. When you purchase a long term care insurance policy, you not only help safeguard your assets from the cost of long term care, but you increase your independence and control over future needs.¹ American Health Care Association study, 2002.

An insurance program should be a part of every family's total financial plan. Before you can evaluate various insurance programs, you must understand the reasons for buying insurance and how to determine the amount and kind of insurance you need.

Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future. Insurance is part of your over risk management program.

Choosing an insurance product is an important decision, but it can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. At Preservation Financial, we will help you with the choices you decide to make for your family's future.

Available services iInclude:

• Life Insurance
• Annuities
• Disability Insurance
• Long Term Care