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

on the table."

Also consider in-plan investment options, such as target-date funds, automatic assetallocation programs, and even guaranteebased vehicles that can protect savings and income and offer a guaranteed retirement paycheck.

3. Make the most of your personal savings. Despite the uncertain economy, remain calm. Follow the basic principle of investment diversification, which continues to be an important element of any financial plan. Work with a financial advisor to appropriately allocate assets based on age, risk tolerance and years to retirement.

4. Assess •• and maybe reassess - your retirement choices. The current downturn may require you to re-examine key retirement choices, such as when to retire or where to live. A tax-efficient approach to taking retirement income can play a big part in how long your retirement assets will last. Understand the financial implications of your desired r lifestyle and consider which choices make sense for your personal situation.

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