RENEWING FINANCIAL VOWS

Can you believe you've been together with your finances for over 20 years now? It's time to reassess where you've been and where you'd like to go.

Lifetime Retirement Planning with Wachovia can help you enjoy the unique possibilities your life offers today, and help make your life in retirement all you want it to be when you get there.

Don't stray from your plan - Resist the urge to cut back on savings to meet obligations, such as kids' college tuition or that trip to Italy.
Increase your contributions - If you can, put more towards your employers' retirement plan-ideally 10% or more.
Grow your IRA - You may want to not only contribute but consider maximizing your contributions to your IRA.
Rollover your retirement plans - If you change jobs, be sure to consider rolling your employer's retirement plan to an IRA.¹
Plan for education - Can you believe in-state tuition has increased 35% in the last five years alone?² Establish a tax-advantaged education savings account to help pay future college expenses.
Allocate your assets - Help ensure you're neither investing too conservatively nor taking on too much risk.³
Protect yourself from the unexpected - Life happens and it's important to establish coverage with the appropriate level of life, homeowner's, and other relevant insurance.⁴
Show those 20-somethings how to really enjoy life!

Develop and Monitor Your 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 daily money management and planning for the future. Our Free Retirement Consultation is a great first step to see if you're on track or if there is a potential gap in meeting your retirement needs

Talk to Wachovia

At Wachovia, we offer access to information and strategies you need to help build a realistic, well-integrated plan that evolves as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help you be confident wherever you are in your life.

Contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists⁵ or call the Retirement Resource Center at:

(866) 588-9606
8:00am - 8:00pm ET
Monday - Friday

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¹ Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

² Based on data from USA Today.

³ Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

⁴ Insurance products are offered through nonbank insurance agency affiliates of Wachovia and are underwritten by unaffiliated insurance companies.

⁵ Licensed Financial Specialists (LFS) are registered with Wachovia Securities. These associates are Wachovia Bank, N.A. employees and are not employed by Wachovia Securities. Investment products and services are offered through the Investment Services Group of Wachovia Securities.

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

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

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.