By 2005, one out of four people in the U.S. will be retired. Statistics show that 95 percent of all Americans will reach retirement age with less money than they need to live comfortably. Seventy five percent will have less than half of the nest egg they need. And, in terms of retirement benefits from Social Security and company pensions, a majority of the retiring population will receive only about 37 percent of their annual income. **

Providing for your own comfortable retirement requires more than a pension plan and good intentions --- it requires professional planning. And the earlier you begin planning, the easier it will be to work towards your retirement goal.

We at Thomas A. Newman and Associates P.A. can help you analyze your present situation and your retirement plans and goals. Then working together, we will help you develop a plan and select the investments and other financial tools to help work towards your objectives. Our firm can coordinate your personal retirement plans you have in place with your company to achieve maximum benefits for your investment dollars. Your program may include:

	IRAs
	Annuities *
	Mutual Funds *
	Pension / other retirement plans
	Salary deferral / deferred compensation plan
	Life Insurance

** Fortune, retirement planning issue, 1996