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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><img width=405 height=141 id="Picture_x0020_4" src="cid:image001.png@01D4A9A6.A871E9D0"><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>The two main advantages to a retirement savings account are 1) full amount contributed to a retirement account is <b>pre-tax</b> and 2) growth in the account is <b>tax deferred</b>. As you can see in the chart above, the individual who is contributing $5,000 per year in his/her retirement will end up with an account balance of $106,583 more or $14,248 more in income. In both cases, it is your money. Pre-tax accounts will growth faster and larger than the same investments in an after tax personal savings account.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Although it is important to start contributing to your retirement at an early age, there is never a wrong time to get started. Every retirement situation should be analyzed by a professional in order to reach each individual’s specific needs. We specialize in formulating the correct plan for your own retirement goals. You may be contributing now to your plan. Let us sit down with you and calculate if you need more or less to reach your goal.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:12.0pt'>Brad Scherer<o:p></o:p></span></b></p><p class=MsoNormal>Klerer Financial Services, Inc.<o:p></o:p></p><p class=MsoNormal>3272 Merrick Road<o:p></o:p></p><p class=MsoNormal>Wantagh, NY 11793<o:p></o:p></p><p class=MsoNormal>(516) 409-5500 ext. 115<o:p></o:p></p><p class=MsoNormal>(516) 409-6100 (fax)<o:p></o:p></p><p class=MsoNormal><a href="mailto:brad@klerer.com"><span style='color:blue'>brad@klerer.com</span></a><o:p></o:p></p><p class=MsoNormal><a href="http://www.klerer.com/"><span style='color:blue'>www.klerer.com</span></a><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>