Among the factors you’ll need to consider: • Time: You can project periods of retirement, reeducation and full employment. Then concentrate how to fund each of the separate periods. The number of years until you retire will influence the types of investments you include in your portfolio. If retirement is a shortterm goal, investments that provide liquidity and help preserve your principal may be most suitable.

On the other hand, if retirement is many years away, you may be able to include more aggressive investments in your portfolio. • Inflation: While lower-risk investments may play an important role in your investment portfolio, you may need to maintain some growth-oriented investments to help your portfolio keep pace with inflation. • Taxes: Even after you retire, taxes will remain an important factor in your overall financial strategy. If you return to work or open a business, for example, your tax bracket could change. In addition, should you move from one state to another, state or local taxes could affect your bottom line.

Tax-advantaged investments may be effective tools for meeting your retirement goals. Products offering tax deferral may also help your retirement savings grow. Prepare Today To help ensure that retirement lives up to your expectations, begin establishing your plan as early as possible and consider consulting with a financial professional. With proper planning, you may be able to put worries behind and make the most of your retirement. 1 Source: Social Security Administration, Facts & Figures About Social Security, 2012. Ameritas Life Insurance Corp.

of New York Ameritas Life Insurance Corp. of New York Retirement Plans Division 1350 Broadway, Suite 2201 New York, NY 10018 800-923-2732 ameritas.com Ameritas is a subscriber to Wealth Management Systems, Inc. and uses its subscription services to produce this marketing piece.

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