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1 RETIREMENT &you As you look toward retirement, you probably imagine having the freedom to spend your days as you wish. But there is also the reality of how you ll support yourself and your family as you leave the workplace and your paycheck behind. Making the transition from work to retirement can be a major life change filled with new possibilities and important decisions. But you don t have to go through it alone. We are here to address your retirement concerns and help you build a strategy for your future that can protect against uncertainties and provide the confidence you need to take advantage of all of life s opportunities. Test the security Any discussion of taxes is for general informational purposes only, does not purport to be complete or c every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Metropolitan Life Insurance Company (MLIC), 200 Park Avenue, New York, NY Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). Both are MetLife companies. Metropolitan Life Insurance Company 200 Park Avenue New York, NY metlife.com 1607 MLR L [exp0718][All States][DC] 2016 METLIFE, INC.

2 Ensure your strategy works for you Catch up. It s never too late to start planning and saving for retirement even if you re. In fact, you may be eligible to make an age or catch-up contribution to your retirement savings plan to help you make up for lost time. Age or catch-up contributions allow you to save more pre-tax money for retirement, above and beyond the normal maximum contribution limit for the year. Reallocate your assets. As you become closer to retirement, your risk tolerance may change. It s a good idea to look at your portfolio and decide if moving your investments to less risky funding options would benefit your retirement account. There are many ways to diversify your portfolio depending on the type of risk. Together, we can help you choose a strategy that best suits your personal goals and risk tolerance. Please remember, although diversification may help moderate all volatility in your portfolio, it does not ensure profit or guarantee against loss.

3 Risk Tolerance: Sample Portfolios Conservative Need money in less than 5 years. Moderate Need money in 5-10 years. Aggressive Need money in 20 years. n Bonds n Stocks n Cash/Cash Equivalent

4 Work longer. You may need to consider working longer than you initially intended to if your retirement savings aren t what you expected. Extending your working life just a few more years may enable you to achieve your goals and retire comfortably. You may also consider taking on a second job. You can apply the extra income towards your retirement savings account and be that much closer to your financial goals. Develop a distribution plan. You have several options when it comes to collecting your retirement savings. How and when you receive your retirement account assets will have an impact on your income taxes and how long your money may last. For example, if you take a lump-sum payment, you ll owe income taxes in the year you receive the distribution, which will leave you with less money to spend or reinvest. A better strategy may be to roll the distribution into another tax-deferred account (or keep your retirement account) and withdraw money time. But you ll need to plan out your withdrawals. Spending too much of your savings too soon will put you at risk of running out of money. Your representative can discuss the options that will best work for you.

5 RETIREMENT &you As you look toward retirement, you probably imagine having the freedom to spend your days as you wish. But there is also the reality of how you ll support yourself and your family as you leave the workplace and your paycheck behind. Making the transition from work to retirement can be a major life change filled with new possibilities and important decisions. But you don t have to go through it alone. We are here to address your retirement concerns and help you build a strategy for your future that can protect against uncertainties and provide the confidence you need to take advantage of all of life s opportunities. Test the security Any discussion of taxes is for general informational purposes only, does not purport to be complete or c every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Metropolitan Life Insurance Company (MLIC), 200 Park Avenue, New York, NY Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). Both are MetLife companies. Metropolitan Life Insurance Company 200 Park Avenue New York, NY metlife.com 1607 MLR L [exp0718][All States][DC] 2016 METLIFE, INC.

6 RETIREMENT &you As you look toward retirement, you probably imagine having the freedom to spend your days as you wish. But there is also the reality of how you ll support yourself and your family as you leave the workplace and your paycheck behind. Making the transition from work to retirement can be a major life change filled with new possibilities and important decisions. But you don t have to go through it alone. We are here to address your retirement concerns and help you build a strategy for your future that can protect against uncertainties and provide the confidence you need to take advantage of all of life s opportunities. Test the security Any discussion of taxes is for general informational purposes only, does not purport to be complete or c every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Metropolitan Life Insurance Company (MLIC), 200 Park Avenue, New York, NY Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). Both are MetLife companies. Metropolitan Life Insurance Company 200 Park Avenue New York, NY metlife.com 1607 MLR L [exp0718][All States][DC] 2016 METLIFE, INC.