To help you have the income you need in retirement, it's essential to have a plan that identifies appropriate portfolio strategies for your age, risk tolerance and circumstances. Even if you aren't nearing retirement, it's never too early to ask: Are you invested in the right mix of stocks, bonds, alternative investments*, and liquid assets to build a comfortable income stream? Should you be purchasing long-term care insurance? Have you maxed out your tax-deductible contributions to your retirement plan at work? If so, what else can you do now to help you achieve your retirement goals later in life?*Note: Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.