If most Americans need to save and invest more aggressively before retirement, they also must be more pro-active in preserving their principal after retirement.

Retirement income comes from three main sources:

1. Social Security;


2. Retirement plan distributions; and


3. Personal savings and investments.

For many people, their accumulated pension rights will represent their largest personal asset. Ensuring this and other assets and income sources keep working as productively possible will let retirement be a period of active leisure rather than a difficult step on the road to old age.

How can older Americans best protect their savings and investments while maintaining quality of life for themselves and their heirs? The answer is seeking advice on retirement income management, planning to reduce taxes, evaluating health insurance and long-term care risks, and dealing with estate planning goals. Moreover, by helping retirees take full advantage of their Social Security retirement benefits and other assets, resources and options – including the appropriate use of annuities – planners can help these clients balance short-, medium- and long-term needs and objectives.

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