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Consider the Issues

The amount of income you'll need in retirement will vary depending on your lifestyle, health issues, tax bracket, retirement age, and cost of living, among other things.

Often you hear that you will need 70% to 80% of your pre-retirement income, but it is not uncommon to need 100% or more.

The chance that any individual will require long term care at some time is substantial. In fact, people of age 65 face as least a 40% lifetime risk of needing long term care.*

What you invest in will depend on how long you have until you retire — as you near retirement, you might consider moving from aggressive, growth-focused investments into more conservative, income-producing investments.

If you move to a sunnier locale when you retire, you may have to file income tax returns in two states, as well as face unexpected local income taxes.

* The MetLife Market Survey of Nursing Home and Assisted Living Costs, Oct. 2007. All cost averages in this survey are rounded to the nearest dollar.

Luttner Financial Group, a Lifetime Financial Growth Company is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. OSJ: 244 Boulevard of the Allies Pittsburgh, PA 15222, 412-391-6700 PAS is an indirect, wholly-owned subsidiary of Guardian. Luttner Financial Group, a Lifetime Financial Growth Company is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures GEAR #2014-10161 (exp.08/16)