Page 9 - Mumme Booklet

DRAFT

AN INTEGRATED RETIREMENT APPROACH

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An integrated retirement approach creates a strategy that differentiates the accumulation and
distribution years. As you move closer to retirement, it's important to have a strategy that creates
income for life, protects assets, and leaves a legacy.

FINANCIAL PLAN

PROTECT

Disability Income Insurance Permanent Life Insurance Long-Term Care Planning
Protect your earned income to Protect heirs and provide legacy. A good plan can mitigate the
help reach your savings goals Use accumulated value to provide risks associated with a
in the event of a disability. liquidity in down markets.* Long-Term Care event.

GROW

Investments Annuities
A diversified portfolio along with a Create guaranteed income to
cash reserve may help protect match essential expenses and
against market volatility.** address longevity risk.

THE VALUE OF INTEGRATED INCOME STRATEGY

Whether you are just starting to save or are about ready to embark on retirement, when it comes to meeting
retirement income goals, no single source of income is ideal for all conditions.

INVESTMENT PERMANENT (WHOLE) INCOME ANNUITIES***
PORTFOLIO** LIFE INSURANCE

• Provides potential for growth and • Offers lifelong death benefit to • Delivers guaranteed income that

additional source of income meet legacy needs you cannot outlive

• Can provide a hedge against • Can provide liquidity during • Provides a foundational income
inflation later years to help meet essential living

• Offers guaranteed and stable expenses without impact from
accumulated value market fluctuations

• Provides reliable, tax-deferred • Some annuities offer potential for
growth income growth through dividends****
• Some annuities can be indexed
to counter inflation
* The primary purpose of permanent life insurance is to provide death benefit. Using permanent life insurance accumulated value will
reduce the death benefit and may affect other aspects of the policy.
** All investments carry risk, including potential loss of principal. No investment strategy can guarantee a profit or protect against loss in
a down market.
*** Income annuities have no accumulated value, are non-refundable and once issued cannot be terminated (surrendered) or withdrawn
from. Income from an annuity may be taxable as ordinary income and be subject to a 10% IRS penalty if taken prior to age 59 1/2.
**** Dividends are not guaranteed.
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This plan is not complete without the Assumptions and Disclosures pages appearing at the end.
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