Block · one region of the page, as the scanner read it. It may hold a whole story, part of one, several, or an advertisement; stitching blocks into articles is the next step. Text is supplied OCR.

Page 48 · column 3 of 5 · from the scan, no model involved

The clipping this text was read from
The clipping this text was read from

For most Americans, no single pillar will be sufficient to meet retirement income needs. Now more than ever, to save and plan effectively for a secure retirement, individuals should consider how Social Security, workplace-provided programs, personal savings, and retirement choices will affect their ability to live comfortably in the future.

Here are five back-to-basics tips to help Americans get their retirement plans bade on track in this challenging market:

1. Know the options and outcomes for drawing your Social Security benefits. If you are nearing retirement, be sure to understand your options and how you can maximize your Social Security benefits. Be dear about the tax implications of early or delayed benefits.

2. Continue to leverage and maximize your workplace-provided programs. If you aren’t already, enroll in your v workplace-sponsored defined contribution plan -401 (k), 403(b), etc. - if one is available. ¥ou should contribute at least enough to get the full benefit of a sponsor match. This is not the time to “leave money

64.4%