ESTIMATING YOUR RETIREMENT NEEDS

At Wachovia, we know it's important to have a clear picture of your financial needs in retirement. The questionnaire offered here is designed to help you review your spending patterns and to consider a plan for funding your retirement.

Estimating Your Income Needs

Most retirement experts estimate that you will need about 80% of your current annual income for a comfortable retirement. Naturally, depending on your personal lifestyle, you may need more or less.

To help you determine how much income you will need, please select the answer to each question that most closely fits your plans for retirement. After answering all six questions, please click the Submit button to see the approximate percentage of your current income you may need in retirement.

	Please Make a Selection
1.	In retirement, I expect my debt to be:
	Please Make a Selection
2.	When I retire, I expect my mortgage or rent payments to be:
	Please Make a Selection
3.	During retirement, I expect to travel:
	Please Make a Selection
4.	After I retire, the number of my major purchases will be:
	Please Make a Selection
5.	In retirement, my entertainment and recreational activities will be:
	Please Make a Selection
6.	When I retire, my out-of pocket costs for medical care and medical insurance will be:

Your Results

Based on your responses, it appears that you would need approximately % of your current annual income in retirement.

This is a hypothetical example used for illustrative purposes only, and not indicative of any particular investment.

This information is provided for informational purposes only and is not intended to provide specific advice or guidance. Please talk to your advisor before making any retirement plan decision. The results provided are not shared with any investment professional at our firm.

05/05

Wachovia Securities is the trade name used by two separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA/SIPC.

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