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Retirement Planning

Legacy Planning

Investing for the Next Generation. Once you're settled into retirement, you may want to consider passing a legacy on to your loved ones. You'll want to transfer your assets with as few surprises as possible—for you and for them — and you may also want to seek investment options that will potentially grow the legacy you're leaving. It will be important to stay vigilant and to discuss the specifics with your beneficiaries, to ensure you can transfer your estate in a way that will be as timely and tax-efficient as possible.

Nothing to Chance

It's crucial to correctly state your key designations on all financial accounts to make sure assets pass to your desired beneficiaries at the right time and in a tax-efficient manner. Errors and misnamed accounts can have unanticipated consequences, such as:

  • Needless expenses and taxes
  • Potential of disinheriting children or grandchildren
  • Delays in providing for the financial needs of loved ones

To get a jump-start on the process, gather all the information for your accounts (or have your financial professional help). Next, review all documents to verify they are up to date, in proper order, and are in line with your ultimate objectives. At this point you may want to gather your beneficiaries to discuss their options and allow them to ask questions.

Also keep in mind that your legacy priorities may change due to significant events in the lives of your loved ones, at which time you may want to update your designations. Such life events may include:

Hypothetical life moments when to update beneficiary infographics.

Passing It On

You'll have several options available for how your beneficiaries will receive an inheritance. Review these options with them so they can learn how to optimize their inheritances in a tax-efficient manner.

Infographic describing tax-efficient inheritance options for your beneficiaries

Control From the Grave

Unfortunately, you may have beneficiaries you believe aren't experienced or responsible enough to effectively manage an inheritance. You may want to seek options that can protect your legacy, allow you to restrict distributions to the next generation, and provide for all beneficiaries. It's important to discuss with a financial professional your options for controlling how your legacy is passed on.

This chart illustrates hypothetical retirement distribution options.
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Jackson Annuities
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Explore the investment freedom and flexibility of our various annuity offerings.

Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Annuities are long-term, tax-deferred vehicles designed for retirement. Variable annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.

Jackson and its affiliates do not provide legal, tax or estate-planning advice. For questions about a specific situation, please consult a qualified advisor.

Annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York by Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions. Contact Jackson for more information.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •
Not a deposit • Not insured by any federal agency

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Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951