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Most of us imagine retirement as a happy time, a reward for a lifetime of hard work, full of possibility and potential. We have good reason to see retirement in a positive light. Americans are living longer, healthier lives than ever before. In fact, for some of us, retirement will make up a full third of our lives. Of course, this means that our retirement assets will have to do more for us over a longer period. This makes planning for our retirement essential. The information provided during this session is for general informational purposes only, and should not be considered a recommendation or investment, tax or legal advice. Representatives of HMII provide general information concerning retirement income planning only. HMII and its representatives do not provide financial planning services.