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The key to achieving emotional and financial well-being in retirement is preparation. Use these resources to help make your retirement dreams a reality.

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Make the Most of Your Inheritance

Finances

Using an inheritance to boost your current lifestyle can be tempting. In fact one-third of people who receive an inheritance blow through it in less than two years.

"Inheritance is typically the only time in a lifetime that you'll receive an infusion of money that wasn't earned," says Bill Alexander, a financial expert and elder law attorney at W.G. Alexander & Associates in Raleigh, N.C.

However it's much smarter to maintain your everyday spending and use that extra money to secure your financial future. These four steps can help you do just that.

  1. Pay Down Debt
    First clear up any debt, especially high-interest credit card debt, says Alexander. Whether or not it makes sense to pay off a mortgage depends on your financial situation. Speak with your financial advisor about your specific goals and needs so that you can make the best decision for you.
  2. Be Sure You're Covered
    Then if you're able, purchase long-term care insurance. Research shows that someone turning 65 today has an almost 70 percent chance of needing long-term care at some point in their remaining years. With uncertainty in the health-care landscape, it's more important than ever to be prepared for the cost of long-term care.
  3. Make Your Money Grow
    Any money you have left should be appropriately invested. Consult your financial professional on how to build your savings based on your age, proximity to retirement, and personal risk tolerance. Consider an annuity to help you create a guaranteed stream of income you can't outlive.
  4. Keep It for Yourself
    If you're married, Alexander suggests keeping the inheritance in your name alone. That way, if you get divorced in the future, the inheritance is not a marital asset that needs to be split up.

 

This material is a general description intended for general public use. Athene Annuity and Life Company, headquartered in West Des Moines, Iowa, and issuing annuities in 49 states, and D.C., and Athene Annuity & Life Assurance Company of New York, headquartered in Pearl River, NY, and issuing annuities in New York, are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Please reach out to your financial professional if you have any questions about Athene products or their features.

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Annuities contain features, exclusions, and limitations that vary by state. For a full explanation of an annuity, please refer to the Certificate of Disclosure and contact your Financial Professional or the company for costs and complete details.

This material is a general description intended for general public use. Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (including MA and D.C.), and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York, are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Please reach out to your financial professional if you have any questions about Athene products or their features.

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity.

ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.