Do you worry about running out of moneyduring your retirement years? Social Securityisnʼt the guaranteed source of income it oncewas, and people generally donʼt want todepend on their children or public assistanceduring their golden years.

How much money will you needwhen you retire?

Whether you have enough money to livecomfortably during your retirement yearsdepends on several factors:

• How much money you’ve saved• How long you need your savings to last• How quickly you spend your money

To successfully plan your retirement, youmust first estimate how much money youʼllneed when you retire. Many financialprofessionals suggest that youʼll need around70 percent of your current annual income tofund your retirement. This figure is a goodstarting point; however, you must make surethis number matches your monetary needs. Alot could change between now and the timeyou retire, and you should take into accountmany factors – including the lifestyle youwant to maintain.

What if there was a way toguarantee your income streamthrough your golden years?

We have all witnessed the horror ofinvestments suffering great losses, but justimagine what it would be like if you couldguarantee your retirement income – for life.No stress, no worries, no scrimping by onSocial Security alone. Guaranteed retirementincome for life is possible – with annuities.

Annuities are insurance plans in whichyou invest. They can be valuable tools,particularly for retirement savings, as theyoffer guaranteed lifetime income payments togive you:

• Freedom to fulfill your retirement dreams• Financial peace of mind• Flexibility to use your cash however you

choose

An added bonus is that your money growstax-deferred until you receive thesepayments.

Annuities offer benefits and features thatCDs donʼt. Compare the fixed annuityadvantages.

Golden Wealth Solutions, Inc.

Special Report

Will You Outlive Your Money?

4891 Independence St., Ste #250, Wheat Ridge, CO 80033 • Phone: (303) 422-7564

*Fixed annuities provide guarantees, including safety of principal, from the issuing insurance company. CDs provide guarantees from the FDIC.

Fixed CDAnnuity

You will earn a stated fixed rate of interest. Yes Yes

Your principal is guaranteed. Yes* Yes

Your money is protected from stock market volatility. Yes Yes

Your earnings grow tax-deferred. Yes No

Your income taxes paid on Social Security may be reduced or eliminated. Yes No

You have access to your money through built-in liquidity features. Yes No

You have various income options, such as lifetime payments, that you canʼt outlive. Yes No

Your heirs avoid the cost and expense of probate at your death. Yes No

Immediate AnnuityA popular option for retirees is the

immediate annuity, which is appealing if youare looking for peace of mind in knowing youhave dependable income that cannot beoutlived.

As the name implies, an immediateannuity begins to pay a stream of incomeimmediately. The issuer assumes allinvestment risks, and you receive aguaranteed income. The amount of incomeyou receive is based on a number of factors,including your age at the time of purchase,your gender, whether payments will be madeonly to you or to someone else (like yourspouse), and whether payments will be madefor a fixed period of time or for the rest ofyour life. If you have certain healthconditions, you could receive larger payoutswithout increasing your investment.

Some annuity products on the markettoday even offer long-term care benefits.Many people of retirement age are declinedfor long-term care coverage due to theirhealth history. By adding this protection, youcan increase your income stream to help payfor out-of-pocket extended care costs.

Remember, there isnʼt a “one-size-fits-all”product or plan. Before making anyinvestment, talk to an established financialadvisor, who will consider your particularneeds and develop the right retirement planfor you.

If you are ready to discover how you canlive your retirement years worry-free, GoldenWealth Solutions would like to offer you acomplimentary consultation to discuss yourspecific retirement needs. Please call MikeHerman at (303) 456-1913.

Golden Wealth Solutions, Inc.

Special Report

4891 Independence St., Ste #250, Wheat Ridge, CO 80033 • Phone: (303) 422-7564

The examples used are for illustration purposes only and do not reflect actual insurance products or performance, nor are they intended to promote a specific company or product.

Annuities are an insurance product. Annuities are not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the ban, and may lose value. The bank may not condition on extension of credit on either: 1) the consumer’s purchase of an insurance product or annuity from the bank or any of its affiliates; or 2) the

consumer’s agreement from obtaining an insurance product or annuity from an unaffiliated entity.