Charles Schmitz    
Arlington Heights, IL    
Phone: 847-392-9268    
Heritage Partners: Making Trusted Financial Advice A Tradition









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Decisions At Retirement

Decisions At Retirement
The last paycheck, it's a time for many decisions, decisions that will stand for a lifetime and that will need to provide for you over that lifetime.

              • Pension choices: lump sum, single life annuity, joint life annuity, joint life with pop-up, 25%, 50%, 100%.
              • 401(k) plan choices
              • Stock Options
              • Buy-out packages
              • Special company bonus options
              • Social Security payment choices, 62, 65, 67, 70.
              • Company medical plan choices
              • Medicare choices
              • Medicare supplement choices
              • Do I need life insurance? a will?, a trust?
              • How do I turn my investments into an income for retirement?
              • How much can I spend?
              • How long will it last?
              • Where should I invest my retirement money?
  • How do I maintain an income if interest rates fall?
  • How do I not lose my assets if the stock market goes down?
  • What is "safe" anyway?

How comfortable will you be in 2 years? It starts by setting aside an hour to talk.


There are answers to these questions, but they are different depending on your specific situation. Getting a professional's guidance at this time can be very important when you are making so many one-time choices. Our approach has been developed to provide answers based on a defined process:
  • Comprehensive process to evaluate your situation and needs.
  • An investment policy that lets you sleep at night
  • Investment selection process that is structured to identify verified proven investment managers.
Including an investment professional who stays around to help.

Emphasis On Protecting Your Money While Providing Growth


Heritage Partners, Arlington Heights, IL Phone 847-392-9268

Securities and Investment Advisory services offered through Ausdal Financial Partners, Inc, 5187 Utica Ridge Road, Davenport, IA 52807 (563)326-2064. Member: FINRA/SIPC.
Heritage Partners and Ausdal Financial Partners are independently owned and operated.
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