Retirement Income Planning Resources

The shift from retirement saving to retirement spending is a big one. Discover how to meet your clients’ needs as they transition into retired life.

Principal.com/retire An online retirement resource for clients.

Principal.com/prepare  An online retirement resource for financial advisors.

Retirement income planning  A step-by-step guide for creating a retirement income plan for clients. Supplemental marketing materials are available.
Social Security planning An advisor’s guide on how to use Social Security as part of a retirement income plan. Supplemental marketing materials are available.

Build an income strategy An interactive tool to help clients decide which guaranteed income product is right for them.

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Advisor information

The 4% myth

Research in recent years has called into question the standard 4% withdrawal advice – that a retiree withdrawing 4% annually from their retirement accounts can sustain their savings for over 30 years. In fact, Morningstar  now recommends just a 2.8% withdrawal rate for a 30-year retirement horizon, citing historically low bond rates as the reason.1  And with many retirees living longer than ever, is 30 years long enough?

Hear why Michael Finke, Ph.D., thinks a partial annuitization approach may provide more financial security.

1 Smith, Randall, Why the 4% Retirement Rule Is No Longer Safe, Investopedia.com, June 2019

Consumer information

Creating happy clients

Studies show that clients who actively plan for their retirement are often happier with their outcomes. Our research identifies other common traits among happy retirees.

Do your clients know how long their money needs to last?

Many of us are living longer than ever. That’s a great thing – but it also means extra planning to help make sure your clients can maintain their lifestyle no matter how long they live. Help explain why Social Security might not be enough, and how they can create their own source of guaranteed income.

What’s a tax-deferred investment?

It can be an important part of someone’s overall investment strategy – yet many clients might not understand the impact tax deferral can have. This flyer helps illustrate the advantages.

Start the retirement conversation

Need a primer to help start retirement planning with your clients? We’ve got you covered.

For registered representative use only. Not for distribution to the public.
Guarantees are based on the claims-paying ability of Principal Life Insurance Company.
Tax-qualified retirement arrangements, such as IRAs, SEPs and SIMPLE-IRAs are tax deferred. You derive no additional benefit from the tax-deferral feature of the annuity. Consequently, an annuity should be used to fund an IRA, or other tax-qualified retirement arrangement, to benefit from the annuity's features other than tax deferral. These features may include guaranteed lifetime income, death benefits without surrender charges, guaranteed caps on fees and the ability to transfer among investment options without sales or withdrawal charges.
The Principal Pivot Series Variable Annuity is issued by Principal Life Insurance Company and distributed by Principal Securities, Inc, 800-852-4450, member SIPC and/or independent broker/dealers. Securities sold by a Principal Securities, Inc. Registered Representative are offered through Principal Securities, Inc. Principal Life and Principal Securities, Inc. are members of the Principal Financial Group, Des Moines, IA 50392.
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The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group®, Des Moines, IA 50392.

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