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Protecting savings in turbulent times. Creating lifetime income for a secure retirement. At Athene, we’re always reaching higher so you can achieve more.

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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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Individuals Professionals Investors Institutions
Institutions
The institutional channel includes reinsurance and group annuity contracts related to pension risk transfers.
Reinsurance Pension Risk Transfer (PRT)

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Reduce Your Monthly Expenses in Retirement (Starting Today)

Finances

When it comes to retirement, it's all about living on less. And that's not necessarily a bad thing: A recent survey conducted by Athene showed that most retirees are happier than they were during their working years, despite living on smaller budgets. Here are four financial savings steps you can take now that may help make living on less much easier once you're retired.

  1. Pay off your mortgage. Chances are that your monthly mortgage payment takes up a big part of your budget. For obvious reasons, paying off your mortgage frees up more money for your monthly savings and minimizes the risk of falling on bad financial times and losing your home. But there is another less obvious reason for not having a mortgage to worry about after you retire, explains Casey Fleming, a mortgage adviser in San Jose, Calif., and author of The Loan Guide: How to Get the Best Possible Mortgage. A reverse mortgage, which allows you to tap into the equity in your home for cash, provides a cushion that can help with unexpected expenses that pop up in retirement, like medical bills.
  2. Downsize your home. Another reason to have your mortgage paid off? So you can downsize your home and bank the remaining cash after you sell. If buying a smaller house or condo doesn't make sense for your situation, there is always renting, which could end up being cheaper in the long run.
  3. Move to a less expensive location. Fleming, who is based in Silicon Valley, sees this strategy with many of his clients. They move to a state with no income tax, lower property taxes, or other tax benefits that high-cost states like California and New York do not offer. "Washington has no income tax and Oregon has no sales tax,"says Fleming, "so many Californians opt to buy a retirement home in Vancouver, Wash., and then do all of their shopping in Portland, Ore."
  4. Adopt money-saving buying strategies. Clearly you'll want to shop less in retirement to make your money go further, but you can get a jump-start on those savings now. Your new rule of thumb? Always look for a less expensive alternative before making a purchase. For example, wait for a big sale before buying a new appliance. Bonus points if you put a little extra cash in your pockets by selling items you no longer want or need online or through consignment.

The information regarding a reverse mortgage is based on our understanding of current tax law. There are costs and benefits to obtaining a reverse mortgage. We recommend that you seek professional legal advice for applicability to your personal situation prior to entering into a reverse mortgage transaction.

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The institutional channel includes reinsurance and group annuity contracts related to pension risk transfers.
Reinsurance Pension Risk Transfer (PRT)
Investors
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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.