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Footnote 1 Social Security Administration, Income of the Aged Chartbook, 2014 (latest data available)

Footnote 2 US Census Bureau, 2010 American Community Survey

Footnote 3 Merrill Lynch Investment Management & Guidance calculations based on Social Security Administration calculator, April 2016

Footnote 4 Guaranteed income may be based on purchasing "optional income benefit" riders available for an additional cost. Annuity contract and rider guarantees, or annuity payout rates, are backed by the claims paying ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor do Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Footnote 5 IRS gov, 2019

Footnote 6 The achievable spending rate is the maximum initial share of wealth that a client can spend while attaining a 90% 'probability of success'. The probability of success meaures the likelihood that a retiree will be able to spend according to plan without exhausting their wealth. Spending is assumed to rise each year with inflation. Clients are assumed to choose the allocation to stocks, bonds and cash that minimizes their expected lifetime shortfall — the amount, on average, they can expect to undershoot their lifetime spending plans. Joint refers to a spending stream for a couple that lasts as long as either spouse is still alive.

Investing involves risk. There is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
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