This Healthy, Wealthy & Wise guide is intended to give an overview of the financial options, opportunities, and pitfalls commonly faced by retirees. The information is derived from sources we believe to be reliable and, to the best of our knowledge, is accurate and up-to-date. However, readers should understand: 1) that every individual’s situation is unique; 2) that due to space limitations, many topics can be covered only in general terms, and; 3) that laws and regulations are subject to change. This booklet has been written for educational purposes only. It is not intended to serve as individual financial or investment advice. Before you make any financial decision, always seek advice from qualified tax, investment, and/or legal advisors. References to federal income tax laws are complex and subject to change.

The information in this material is based on current interpretation of the laws. Neither the company nor its representatives give legal or tax advice. You should consult an attorney or tax advisor for answers to any specific questions.