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Will Your Income Last?
Seven Key Considerations for Retirement Income

Faced with a growing list of variables, some of which you have no control of, you may be uncertain if your money will last as long as you do. This uncertainty often leads to procrastination or uninformed choices at a time when prudent decisions are even more important than when you were accumulating your retirement nest egg.

Everyone has the opportunity to retire by design, rather than accept default options for the unprepared. But many retirees have no formal plan. The "I'll figure it out as I go" mentality often wins out. This becomes particularly troublesome as life expectancy advances and assets are consumed.

Saving and planning aren't as difficult as is often perceived and the long-term rewards can be gratifying via a dignified, financially independent retirement.

Consider the following key elements that may impact your finances during retirement. Your ability to accommodate these factors with planning may be crucial to the long-term comfort of your retirement. By taking the time to plan, you can work toward confidence that you'll be just as prepared for funding the 30th year of your retirement as you are your first.

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Copyright © Russell Investments 2007. All rights reserved.

Russell Investment Group is a Washington, USA corporation, which operates through subsidiaries worldwide, including Russell Investments, and is a subsidiary of The Northwestern Mutual Life Insurance Company.

Nothing contained in this material is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns.

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RFD 07-6641. First used: June 2007.

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