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The components of an individual retirement plan You will have three potential income sources in retirement.

• Social Security
• Employer-sponsored retirement plans
• Personal savings

Which of these sources of income will you count on during your retirement? How much money you will have at retirement is determined by how much you save, how long you save it and the rate of return you receive. It's a good idea to start thinking now about where your retirement income might come from. Knowing where you are will help you plan accordingly for a comfortable retirement. Contact your financial representative to help you develop your personal retirement plan. » Retirement Planning Seven Savings Strategies Rollovers Estate planning The components of an individual retirement plan Finding solutions for your retirement gap