Based on the rule of 100, we suggest that a prudent person would not have an exceptionally high amount of money “at risk” based on their age. To determine the maximum amount of money you should have “at risk” in the markets, you should follow this formula: 100 – Your Age = Maximum %. So, if you’re 58, then your maximum allocation is 42% (100 – 58 = 42%). The rule of 100 is a general rule of thumb to provide an estimate only; individual circumstances and objectives will vary.

Investing involves risk, including the loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to safety, protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

Suggested objectives to discuss with estate planning attorney:

• Discover the most useful means of owning property (transfer on death, etc.)
• Distribute your estate in a manner that meets your legacy objectives
• Provide enough money to meet known and expected settlement expenses at death
• Preserve the assets you have worked hard to accumulate
• Provide a satisfactory income for surviving spouse
• Reduce estate and income taxes, administrative expenses, executor’s fees and attorney fees

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.