Download Check-up - Transamerica Retirement Solutions

From: Transamerica Retirement Solutions
Subject: Time for a fiscal physical
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Brighten Your Outlook ®
Check-up
Hello [first name],
Now is a good time for a financial check-up. How many items will you check off your to-do list?
❑ Know Your Retirement Outlook . Sign in to your account and use the OnTrack tool to see where you
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stand on the road to retirement readiness—and where you may need to go.
❑ Save more through your plan. Thanks to compounding, raising your account contributions even a
little can make a big difference over time. Plus, for 2015, the IRS has increased the amount you can
contribute to your retirement savings plan to $18,000 (subject to plan limits).
❑ Name or update beneficiaries for each account you have to ensure that if something happens to you,
your assets will go exactly where you want.
❑ Diversify your investments to smooth the effects of market volatility. One-step tools on your retirement
plan website can help you spread your risk.
❑ Make a budget (and stick to it). When you put together a monthly list of your income and expenses,
it can help you keep your spending on course.
❑ Establish an emergency savings account. Set aside enough for three to six months’ worth of living
expenses, so you don’t have to tap your retirement plan in an emergency.
❑ Dump your (bad) debt. Pay off revolving debt (credit cards and credit lines), starting with the highest-rate
loans first. Then see where you stand on loans not related to your home (which can give you a federal
tax break).
❑ Consider consolidation. By combining all of your retirement accounts (including prior employer plans
such as 401(k)s, 403(b)s, and most IRAs) into a single account, you can reduce paperwork, improve
how you manage your investing strategy, and better manage your costs. Get help from a Transamerica
retirement counselor.
Brighten Your Outlook
today!
®
Diversification does not assure a profit or protect against market loss.
Review the fees and expenses you pay, including any charges associated with transferring your account,
to see if consolidating your accounts could help reduce your costs. Be sure to consider whether such a
transfer changes any features or benefits that may be important to you.
Important: The projections or other information generated by the OnTrack® tool regarding the
likelihood of various investment outcomes are hypothetical in nature, do not reflect actual
investment results, and are not guarantees of future results. Results derived from the OnTrack® tool
may vary with each use and over time. Please visit your plan website for more information regarding
the criteria and methodology used, the tool’s limitations and key assumptions, and other important
information.
The role of the retirement counselor is to assist you with your savings and investment plan. There
are no fees or commissions for meeting with your retirement counselor, who is a registered
representative with Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue,
Harrison, NY 10528. Transamerica Retirement Solutions and TISC are affiliated companies.
13109-PT_E_EM (01/15)
Download Transamerica’s free “My TRSRetire” app to your
mobile device from the Apple App Store or Google Play.
4333 Edgewood Road NE, Cedar Rapids, IA 52499
© 2015 Transamerica Retirement Solutions Corporation
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