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May 2008


What clients can and cannot control
A strategic approach to retirement
One of the most common questions that financial professionals get is
whether or not their clients should rely on receiving Social Security in
retirement. With the media hype and discussion about Social Security being
under-funded and going away it's no wonder that Baby Boomers are concerned. But,
the true concern is, in fact, control. Many pre-retirees have little control
with regard to Social Security and they, and their financial professionals,
might be better served concentrating on areas of retirement that they can
control.

The concerns of financial professionals and their clients are well
founded. Our markets are volatile, and the complexity of our retirement systems
just seem to be more and more overwhelming. Unfortunately being overwhelmed
tends to scare people into inaction and that is precisely what shouldn't happen
when time horizons are short.

Now is the time to take action. We understand this reluctance to take
action. In response, we have partnered with Allianz Life to offer an innovative
retirement strategies program called Re-Engineering RetirementSM.

First, this program shows the financial professional how to focus on the
realities of retirement. These must be dealt with before exploring the possible
"what ifs" of retirement. Those potential scenarios might not be available with
their clients' current financial strategy(ies).

Secondly, the Re-Engineering Retirement program has developed the Seven
Sources of Income approach to retirement needs, of which Social Security is just
one of those sources. The program uses Social Security as an income baseline and
discusses the fact that this category is one where there is little control.

Another source of income where the client has little or no control is in
the Employer Sponsored Plan category dealing specifically with Defined Benefit
plans. Many companies are changing these plans or eliminating them totally.
Again, there is minimal control. But there is hope. The Re-Engineering
Retirement program teaches the financial professional how to help the client
focus on those retirement income sources where the client has control.

Examples of income sources with more control are 401(k) matches,
appropriate IRA rollovers, Roth IRAs to help control taxes in retirement,
required minimum distributions, and phased or continued employment after
retirement.

If you're dealing with an increase in questions about the complex nature
of retirement, you owe it to yourself, and your clients, to contact us access to
the program.

This article is not intended to provide specific legal or tax advice.
Please note that Allianz Life Insurance Company of North America, its affiliated
companies, and their representatives do not give legal or tax advice. Encourage
your clients to consult their tax advisor or attorney.



With All Best Wishes



Your team at The FreedomTree Financial Group
info@...

Call us toll-free 1.877.369.1889





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Financial sales consultant of and securities offered through FreedomTree
Asset Management Mortgages and lending services offered through Gateway
Mortgage, LLC which is independent of The FreedomTree Financial Group.

FreedomTree Asset Management and FreedomTree Financial are fully owned by
the FreedomTree Financial Group of Spence-Lingo & Company, Ltd.

Toll-free 1.877.369.1889
www.FreedomTreeFinancial.com

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