NextPhase™ Retirement Income Strategy is an investment strategy with the objective of providing inflation-adjusted income for life.

The strategy allocates assets in a manner placing a heavy emphasis on guaranteed* streams of income that continue over long periods of time.

This is extremely important because Americans are increasingly being forced to rely upon their own retirement savings to create the retirement income they will need. With longevity increasing and interest rates low, creating durable streams of retirement income can be challenging. NextPhase™ Retirement Income Strategy provides a sound foundation for creating that income.

* When fixed or variable annuities are used to provide guaranteed income, all guarantees are backed by the claims-paying ability of the issuing insurance company. NextPhase™ Retirement Income Strategy may consist of investment products that are subject to the potential loss of principal.