SUMMARY

1. More people are thinking about retirement now more than ever before:
   • There are 51,000 people age 100 and older in the United States.
   • In California, there are 5,341 people age 100 and older.
   • In the year 2030, there are projections that there will be 324,000 people age 100 and older (almost a 1,000% increase since 1990).
   • Hallmark, the greeting card company, says that by the end of the decade, they expect to sell more than 70,000 centenarian birthday cards each year.
   • 70 million people in the United States will be age 65 and older in 2035. This number is more than twice the current population of Canada.
   • Today, men and women age 50 and older now control 80% of all the money in U.S. Savings and Loan institutions and represent $66.00 of every $100.00 invested in the stock market.
   • The average 21st Century American will spend more years caring for their parents than for their children.
   • In the year 2080, the average life expectancy in America will be 100 for men and 103 for women.
2. There are many reasons for placing some qualified monies into a fixed or variable annuity.
3. The IRA Rollover and the IRA Transfer are two ways to reposition qualified money.
4. A SEP, A Simplified Employee Pension Plan, is a simple way for a small business owner to set aside large contributions without incurring expensive fees and special reporting and a fixed contribution requirement each year.