2. YOU WOULDN’T
BUY A CAR WITHOUT
A TEST DRIVE.
SO WHY PLAN
YOUR RETIREMENT
THAT WAY?
3. The average person buys a dozen cars in their lifetime. And no decision is ever made
without a proper test drive. But unlike cars, you only get one retirement, one chance
to choose an income plan that you will drive the rest of your life.
With a decision that important, it seems almost unthinkable not to get behind the
wheel and personally test the feel and fit of particular plans. And yet almost no one
ever does. Many people jump into the first retirement vehicle they see and simply
hope it’s the right one.
To help people make smarter choices that work for the long haul, we have developed
the Janney Retirement Test Drive. It’s a unique opportunity to see how your retirement
income holds up in adverse or unexpected conditions—in the safety of a simulation.
So take a test drive and get a real sense of what works for you today and down the
road. But before you do, take a look at Janney’s Rules of the Road—a short set of
fundamental tips to set you on the right course for your retirement. We know you’ll
enjoy the ride.
4. 1 Get in the Driver’s Seat
Make a commitment to control your retirement journey. Get
comfortable with the idea that you’re retiring, mentally and
financially, and then set the wheels in motion. Map out what and
where you want your retirement to be. Set realistic goals and share
them with your family or loved ones—and then share them with a
professional who can help you put a plan in place to achieve them.
You’re the one in the driver’s seat, but it doesn’t hurt to have a little
navigational support along the way.
5. 2 Check Your Mirrors
One of the best predictors of where you’re going is where you’ve
been. Take a hard look in the mirror. Be honest about how you’ve
managed money in the past and what changes you may have to
make to put yourself in the best position for the future. Don’t forget
to check for blind spots. It’s important to identify and plan for those
unexpected financial roadblocks that may slow you down—from
health care costs to family issues. After all, retirement may be much
closer than it appears.
6. 3 Don’t Forget the Spare Tire
Retirements aren’t always smooth sailing. There are bound to be
bumps in the road, and you don’t want to be left stranded without a
spare. Check your savings and know you have a comfortable reserve
to get you through what’s around the bend. Sometimes in retirement,
it’s not only about how much you have, but how much you can access
when you need it most. So be prepared, and always check your spare.
7. 4 Look in the Glove Compartment
Make sure all your most important documents are safe and in order—
from wills, to insurance cards, to financial account data and more. It’s
imperative to keep vital information organized and accessible for you
and for loved ones in the event that something happens to you. It’s
hard enough to find your car registration when you need it, so why
take chances with the documents that matter most?
8. 5 Consider Maintenance Plans and
Service Schedules
Just like your favorite car, your retirement requires a little bit of
maintenance to keep it running like a dream. Commit to a regular
service schedule where you can consult with a professional as your
life and economic driving conditions change. It’s important to discuss
whether or not your retirement needs a little tune-up or rebalancing
as you get further down the road. A little maintenance can go a long
way toward ensuring a smooth and enjoyable ride.
9. 6 Enjoy the Ride
Retirement can be one of the most exciting times of your life—if
you plan for it properly. But that shouldn’t be an issue for you. If you
follow the rules of the road, you can coast into retirement knowing
that you’ve mapped out your future and set a course for success.
Now all that’s left to do is put it in drive and enjoy the ride!
11. …TAKE A TEST DRIVE TODAY
Janney’s Retirement Test Drive is a straightforward evaluation of your retirement
income picture in a quick, easy and informative process. But it’s more than just a
calculator; it’s a road map of practical options tailored to your goals and guided by
an expert Janney Financial Advisor at every turn.
The entire retirement test drive can be completed in one or two in-person meetings
or telephone calls. You receive actual portfolio recommendations and real answers
to critical retirement questions, including:
• What sources of income will I rely upon in retirement?
• Will my income and assets last for my lifetime?
• What expenses can I expect?
• What is a sustainable spending level?
It’s your retirement. It’s your life. Don’t leave it to chance. Get informed, and get in
the driver’s seat. Contact a Janney Financial Advisor and take your test drive today.
