Whether you're just starting out on your own, 25 years from retirement, or already retired, investing for your retirement should be a top priority in your life. But, if you're not seriously investing for your retirement, why not?

"My pension and social security will pay for retirement."
"I can't afford to save for retirement right now."
"I'm too young to even think about retirement."
"Investing for a retirement is too complicated."
"I'm already retired -- I don't need a retirement plan".

"My pension and social security will pay for retirement."
Actually, it's estimated that only 27 percent of the average retiree's income comes from Social Security -- 25 percent comes from pension plans. Plus, depending on your status, you may have to pay taxes on up to 85 percent of your social security benefit! That doesn't leave much for your retirement.

"I can't afford to save for retirement right now."
You may think you can't afford to save for your retirement. But, you'd be surprised how a little savings can go a long way -- especially with compounded interest. For example, let's say you invest $1,000 at 8%. Take a look at your future investment:

5 years	10 years	15 years	20 years	25 years	30 years
$1,469	$2,159	$3,642	$4,661	$6,868	$10,063

"I'm too young to even think about retirement."
On the contrary. The best time to start thinking about retirement is when you're young. Especially when you look at the benefits of compounded interest. Here's a comparison to show you how getting a head start on your retirement pays off:

	10 Years	15 Years	20 Years	25 Years	30 Years
A	$10,000	$14,693	$21,589	$31,722	$46,610
B	$21,589	$31,722	$46,610	$68,485	$100,627

If "B" invested $10,000 at 8% immediately and "A" invested the same amount 10 years from now, in 30 years, "B" would have $54,017 more money invested than "A".* That's what you refer to as the "cost of procrastination".

"Investing for retirement is too complicated."
Investing doesn't have to be complicated at all. Because Compass can provide you with a Personal Investment Officer to work with you in assessing your personal investment needs.

We'll look at where you want to be when you retire and how we can get you there. And we'll follow the progress of your investments to make sure they're working for you.

"I'm already retired -- I don't need a retirement plan".
Why stop growing your money once you've reached retirement? Who knows, you could live another 20-30 years -- a third of a life span! Compass can offer you low risk short-term investments to make your retirement dollars go further. And that can mean a larger nest egg for you throughout your retirement years!

To help you start planning for your retirement -- or even rethink your current retirement strategy -- Compass can provide you with a Personal Investment Officer to guide you through the process.

A Personal Investment Officer is a qualified, licensed professional who takes the time to understand your unique situation, providing a customized solution to your investment plan. Whether it's a 401(k) plan, discount brokerage services, mutual fund, annuity or an IRA account you need, a Personal Investment Officer can help you determine what's best to meet your future goals.

Since the economy is ever-changing, we don't stop with just a retirement plan. A Personal Investment Officer continues to monitor your plan's progress to make sure it is working for you. So, no matter how times it may change, you'll have the peace of mind of knowing you're prepared when retirement rolls around.

Securities and Investment Products are not FDIC insured, may lose value and have no bank guarantee.