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Consolidate Your Retirement Assets
 

It May Be Easier Than You Think
If you have retirement assets with a former employer or at different financial institutions, you may benefit from consolidating your accounts with Wachovia.

Don’t let fear of the process deter you from simplifying your financial picture. Consolidating retirement assets can be easier than you think.

What Are the Benefits?
In time, you may lose track – or maintain less oversight – of assets you have with a former employer or assets you have with different financial institutions. When you roll over assets from your former employer’s retirement plan to a Wachovia Individual Retirement Account (IRA) and transfer IRAs to Wachovia, you could potentially gain greater clarity. Consolidating with Wachovia means:

  • You obtain a simplified retirement view.
  • Recordkeeping and decision-making could be easier.
  • Beneficiary planning should be simpler.
  • When the time comes, it’s easier to calculate required minimum distributions (RMDs) from a single account.
There are potential financial advantages, too, including:
  • Tax benefits for beneficiaries.
  • Lower fees for higher account balances.

How Simple Is Consolidation?
There’s not as much paperwork as you may think; the IRA transfer process can be as simple as filling out a single form. And we can guide you through the rollover process and work with you to help make sure your funds are invested where you want them.

Experience, Choices, Resources and Convenience — All in One Place
With Wachovia, we strive to make the consolidation process simple. Plus, we offer the experience, choices, resources and convenience you need to help develop and maintain your retirement-planning strategy.

Experience — We are one of the nation’s largest IRA providers
Choices — We offer a wide range of financial products and services, including CDs, money markets and Wachovia Securities investment products.
Resources — Our Retirement Resource Center is staffed with knowledgeable associates who can assist you with account openings, rollovers and consolidation.
Convenience and access — We have over 3,400 financial centers, and the Retirement Resource Center is open Monday through Friday, from 8 a.m. to 6 p.m., ET.

Talk to Us
If you want to consolidate your retirement assets and potentially simplify your retirement picture, visit a Wachovia Financial Center or call the Retirement Resource Center today at 1-866- 588-9606.
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Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

Wachovia Corporation, Wachovia Securities, Wachovia Securities Financial Network and affiliates are not tax or legal advisors. Be sure to consult with your own tax and legal advisors before taking any action that may have tax consequences.

Wachovia Securities is the trade name used by thee separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation. Retail securities brokerage services offered through Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member NASD/SIPC. Corportate and Investment Banking services offered through Wachovia Capital Markets, LLC, member NYSE, NASD, and SIPC. 6/07

This newsletter does not constitute legal, accounting, tax or other professional advice. We recommend you contact your own legal, accounting, tax or professional advisor as neither Wachovia nor the publisher assumes responsibility for your relying on the information provided.

© 2007 Wachovia Corporation. All rights reserved.