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The road to retirement has changed dramatically in the last decade. Employers have largely abandoned traditional pension plans in favor of defined contribution plans, thereby putting the burden of retirement savings squarely on the shoulders of their employees. At the same time, the notion that Social Security is going to fund a retirement has all but disappeared.

A well-planned combination of regular saving and investing is key to making a comfortable retirement possible.

One investment option is the traditional Individual Retirement Account (IRA). If you are under the age of 70-1/2 and have an earned income, you can contribute up to $3,000 per year to a traditional IRA even if you are covered by an employer's retirement plan. Your contribution to an IRA may be tax-deductible depending on your adjusted gross income and participation in an employer sponsored retirement plan. An added benefit to an IRA is that your earnings aren't taxed until you withdraw the money. This means you get the full value of tax-deferred compounded growth.

Where retirement planning is concerned, our financial services professionals have the insight that comes from extensive experience. IRAs are only one option for investment, let us help you determine the best investment strategy for your retirement.

Whether you are a recent college graduate who is just starting out in a career, a person who has been in the workforce for decades or someone currently enjoying retirement, it is important to assess the savings and investment opportunities that are available to you.

Whatever your current situation is, establishing short-term and long-term financial goals is a significant step toward meeting your future commitments and personal dreams. Reevaluating those goals as your circumstances change is equally important. As the levels of your responsibilities and family obligations change, so may your risk tolerance for investment.

Let us help. Our experienced financial services professionals can help you identify your short-term and long-term financial goals, determine whether or not your current savings and investments will enable you to meet your goals, and guide you in your savings and investment strategies.

Securities and investment advisory services offered through Registered Representatives of  MML Investors Services, Inc. Supervisory Office: 530 Fifth Avenue, New York, NY 10036. Tel: (212) 536-7738.