Fortunately, retirement planning is easier than it used to be. There is virtually an endless supply of resources at your disposal. The challenge is to take advantage of the information and tools that are available. Make some smart choices now, and you'll be well on your way to a happy and independent retirement.

1 Securities and investment advisory services offered through MML Investors Services, Inc., 1295 State Street, Springfield, MA 01111-0001, (800) 542-6767. Member FINRA (www.finra.org) and SiPC (www.sipc.org).

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retiring comfortably Select from the solutions on the left to learn how the MassMutual Financial Group companies can help you to realize your retirement dreams. Will Social Security and any company pension you may have be enough to provide you with the retirement you want? If not, consider that an annuity is another means of providing you with a stream of income that you can't outlive.1 Annuities offer other payout choices and features such as living benefits, death benefits and multiple investment choices. The fact is that people are living longer and spending more of their life in their retirement years.1 Saving for retirement may be even more important today than it was years ago. If you have been contributing money to a qualified defined contribution plan, you may already be ahead of the game. But just saving money may not be enough. MassMutual can help you protect your ability to make retirement contributions should you become disabled. Life insurance can be an essential part of your retirement plan. The proceeds can be used to help your loved ones secure a comfortable lifestyle if you die or the values that have accumulated on a tax-deferred basis can provide you with a supplemental funding source for your own retirement. Once you retire, you should consider whether you need to replace any employer-sponsered insurance benefits with individual life insurance. Retiring comfortably means more than financial comfort. Should a long term care need arise later in life, your physical and emotional well-being can change substantially. Your financial well-being may also be impacted by the costly services - personal, social and supportive - that are often required for a chronic illness or impairment. Good planning can help to protect you and your family from asset erosion, and the emotional and physical stress of caregiving. If you are nearing retirement, moving retirement savings from an existing workplace retirement plan to a rollover IRA allows you to consolidate and continue the tax-deferred treatment of your assets. Choosing the right investment vehicle for your retirement plan is not an easy decision. Mutual funds offer the benefits of professional management and asset diversification that may help you reach your long-term retirement goals. 1 Guaranteed death benefits, living benefits and payment of lifetime income are contingent upon the claims-paying ability of the issuing company or companies. 1 (Source: The 2003 Annual Report of the Board of Trustees of the Federal Old-Age and Survivor Insurance and Disability Insurance Trust Funds.)

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