Special Notice in Light of Market Collapse

Retirement planning has been practiced with a set of assumptions that have been undermined by the market crisis of late 2008. No matter what kind of retirement plan you have, we recommend that you promptly take a very close look at personal objectives, investment performance, investment selection, and possible outcomes.

Many people simply will not be able to retire at all after losses and setbacks of the past year. If you find yourself in this position, we encourage you to accept the challenges in your future with courage and to make new plans. Making new plans may include adjustments in a variety of financial and personal areas.

Changes may need to be made in your plans now due to market losses. We do not believe you should “wait this one out.” Making plans now could be the difference between devastation and retirement success. People who plan become more confident and more capable of developing positive results.

Only a careful review and making appropriate choices can be expected to help you adjust your plans and expectations to the post-crisis market conditions.

The need for review covers not only retirement assets that are held in private accounts for your benefit, but also corporate retirement accounts in which you may be a participant.

For Benefits Providers, Employers, and Management

We provide service to plan sponsors, employers, and their management. If you are in a position of responsibility for the security of employees, contact us for support.