IN YOUR 40S - INVEST IN YOUR FUTURE

Your 40s are often years when life comes together—perhaps it is the energy of a growing family, the fulfillment of a career and the chance to build a solid foundation for the retirement you can see in the distance. Lifetime Retirement Planning with Wachovia can help you enjoy the unique possibilities your life offers today, and is intended to help make your life in retirement all you want it to be when you get there.

Stay on Track

At this stage of your life, your earning power is likely to keep increasing. At the same time, you may be paying a mortgage and looking ahead to education expenses for your children. Saving for retirement may become a bit of a balancing act, but it's one you can more easily master with careful planning. There's a lot you can do to help keep everything on the right track.

• Don't stray from your plan - resist the urge to cut back to meet other expenses or accommodate other goals, such as college tuition.
• Tool: Retirement Quick View
• Tool: Financial Health Worksheet
• Increase your contributions - to your employers' retirement plan-ideally 10% or more.
• Tool: 401(k) Contribution Calculator
• Grow your IRA - continue to contribute and even maximize your contributions to your IRA.
• Article: 10 Savvy Strategies for IRA Owners 
• Individual Retirement Accounts (IRAs)
• Open an IRA
• Rollover your retirement plans - if you change jobs, be sure to consider rolling your employer's retirement plan to an IRA.
• Article: What to do with Your Retirement Plan
• Tool: 401(k) Cash Distribution Calculator
• Rollover IRA

• Plan for your children's education - establish a tax-advantaged Coverdell Education Savings Account or 529 plan to help pay future college expenses.
• College Planning Guide
• Educational and Custodial Accounts

Please consider the investment objectives, risk, charges and expenses carefully before investing in a 529 savings plan.  The official statement, which contains this and other information, can be obtained by calling your financial advisor.  Read it carefully before you invest.

• Allocate your assets - help ensure you're neither investing too conservatively nor taking on too much risk¹
• Article: Asset Allocation
• Why Choose Wachovia for Retirement Planning?
• Protect yourself from the unexpected - establish coverage with the appropriate level of life, homeowner's, and other relevant insurance²
• Article: Buying Life Insurance - What Kind and How Much?
• Insurance Center

Develop a Plan

One of the keys to investing for retirement is developing a plan that makes sense for you. Wachovia's Free Retirement Consultation can help you see if you're on track or if there is a potential gap in meeting your retirement needs. When you've completed your Retirement Consultation, you'll receive a personalized report that includes suggestions to help with both your daily money management and planning for the future.

Talk to Wachovia

At Wachovia, we offer access to cash management, saving, investing, borrowing, and insurance strategies you need to help build a realistic, well-integrated plan that is designed to evolve as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help guide you along your chosen path, wherever you are in your life.

For a Free Retirement Consultation, 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, Monday through Friday, 8:00am to 8:00pm ET.

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Wachovia and Wachovia Securities are not legal or tax advisors. Be sure to consult with your own tax or legal advisors before taking any action that may have tax consequences.

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.