Most retirees or pre-retirees with a wealth accumulation strategy, hunger for stability and are attempting to avoid risk. They strive to build their portfolio on investments that will provide income for their lifetime and beyond. Strategy-driven firms have adopted an approach to retirement planning that incorporates time segmented retirement income distribution, a strategy that aims to provide investors with stability, growth and income.

Mutual Funds, Variable Annuities, and alternative investment such as non-traded real estate investment trusts are investments involving risk and are offered through the appropriate prospectus only. Before investing, clients should carefully consider the investment objectives, risks, charges and expenses of the investment and its underlying investment options. Many of these investments include substantial and ongoing expenses which are borne by the purchaser, including sales charges or commissions, management fees, and distribution expenses. The prospectuses contain this and other important information. Please contact your financial advisor or the appropriate investment company to obtain the prospectus for such investments. Please read the prospectus carefully before investing.

 

^{Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and, if taken prior to age 59 ½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. An investment in the securities underlying a variable annuity involves investment risk, including possible loss of principal. The annuity contract, when redeemed, may be worth more or less than the original investment. The purchase of a variable annuity is not required for, and is not a term of, the provision of any banking service or activity. Guarantees and payments to annuity holders are subject to the claims-paying ability of the issuer and are subject to their terms and conditions.}