AIG VALIC

We Know Retirement

Security and investment advisory services are offered by VALIC Financial Advisors, Inc. members NASD, SIPC and an SEC-registered investment advisor.

Enrolling in a tax-qualified retirement plan is important. There are many great reasons to enroll. You contribute to it by payroll reduction before tax withholding is calculated, which means you can either (1) save the same amount as you did in a taxable account and increase your take-home pay, or (2) you can save money more without reducing your take-home pay. What's more, taxes on your earnings are deferred until you begin withdrawing the money, usually at retirement.

But, don't forget: A tax-qualified retirement plan is not intended to be a short-term investment, and a withdrawal after a single year of participation can, depending on the contract, incur a surrender charge. Income taxes are payable upon withdrawal, and federal restrictions and tax penalties can apply to early withdrawals.

It's your dream. We'll help you live it.

As you prepare to retire, deciding what to do with the money you've accumulated during your working years is one of the most important issues you'll face. That's because the quality of your life can depend on the decisions you must make.

What do you want to do?

Where do you want to go?

Will the money be there when you need it?

There are six AIG VALIC advisors assigned to the Paterson school district. Contact an AIG VALIC financial advisor at 973-285-8200. Just leave your name, school district, school, and telephone number and one of the advisors will return your call.

The contents of this page is provided to our members by the Association for informational purposes only . No endorsement, either actual or implied, has been made by the P.E.A.