Retirement Planning Visualizing your retirement is important. In fact, it may be the most important first step to achieving your retirement dreams. But the key words are "first step." Your ideal retirement will not just happen. You have to dream it, plan for it and then implement your plan or strategies. A retirement plan can help you examine your current situation, project needs at retirement based on established goals and implement strategies to help the dreams become reality. Our portfolio of retirement planning products and services include: IRAs Mutual Funds* Stocks and Bonds* Fixed and variable* annuities Distribution planning Long Term Care When you are ready to retire, we then show you strategies designed to stretch your retirement assets out over your lifetime or pass them on to heirs on a tax-favored basis. *These products are offered through Hornor, Townsend & Kent, Inc.