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Income for What's Next

At 63, Ben Franklin Charted the Gulf Stream. What Will You Discover in Retirement? At 72, Ben Franklin Became Minister to France. What Are Your Retirement Travel Plans? At 70, Ben Franklin Helped Pen the Declaration. What Will You Write in Retirement?
At 63, Ben Franklin Charted the Gulf Stream. What Will You Discover in Retirement? At 72, Ben Franklin Became Minister to France. What Are Your Retirement Travel Plans? At 70, Ben Franklin Helped Pen the Declaration. What Will You Write in Retirement?


Today's "retirement" is all about what's next—exploring new endeavors, rediscovering old passions, or maybe just finding more time to appreciate the simple things. Your future is as unique as you are.

No matter what you plan to do, you are likely to need income to help make it happen. That is why we created Income for What's Next, a comprehensive planning program to help you work with your advisor to turn a lifetime of savings into income.

What's next? Learn more below.

It's never too early to start preparing

When you retire, your savings are no longer just a number on a statement. They are now an important source of income—income that might pay for your mortgage, your health care, or your vacations.

There are steps you can take now to be ready to turn your savings into income. These include writing down your goals and concerns, listing your likely expenses, and assessing all of your potential sources of income.

An advisor can help you prepare a well-designed plan.

Review the Income for What's Next brochure. It lays out the building blocks of a written retirement income plan, and has tools to help you and your advisor build a plan based on your own goals and concerns.
Download Brochure.

This brochure also includes an example investment strategy using 5 Franklin Templeton funds, which could be used as a part of your retirement income plan.


Franklin Rising Dividends Fund
Performance | Prospectus

Franklin Adjustable U.S. Government Securities Fund
Performance | Prospectus

Franklin Income Fund
Performance | Prospectus

Templeton Global Bond Fund
Performance | Prospectus

Mutual Global Discovery Fund
Performance | Prospectus

Tools for Advisors
Sign-in for additional resources to help you engage with clients in building their retirement investment strategy.

Create a Plan with Your Advisor

"How will I pay for the life I want in retirement?" Many people struggle with this very question when thinking about What's Next.

An advisor can help you prepare a well-designed plan.

Start by using our personal assessment to:
  • Prioritize Your Retirement Goals and Concerns
  • Calculate Your Retirement Expenses
  • Determine Your Potential Retirement Income
Download Personal Assessment.


Once you've completed the personal assessment, work with your advisor to complete the worksheet. It will help to match your retirement expenses with your retirement income.
Download worksheet.
Tools for Advisors
Sign-in for additional resources to help you work with clients in building their retirement investment strategy.

Build a Portfolio with Your Advisor

Generating income in retirement is different than saving for retirement, and requires looking at your investments differently.

Even well-diversified portfolios face challenges with changing and unpredictable market conditions. In retirement, you want to build a portfolio to help withstand unexpected economic bumps in the road while providing an income stream.

RetireMetrics helps you and your advisor use metrics that are relevant for building an investment portfolio that seeks to generate an income stream in retirement. This brochure highlights three of the core metrics used.
Download Brochure.
Tools for Advisors
Sign-in for additional resources to help you work with clients in building their retirement investment strategy.

Talk to Your Advisor Regularly

The expertise of a financial advisor can prove invaluable in helping to monitor your investments over time and ensure your asset allocation remains appropriate as your situation changes. They can also offer objectivity, support and guidance during periods of market volatility, when many are tempted to stray from long-term strategies.

Evaluating options at important milestones.

You may change jobs, your daughter may get married, a parent may need medical attention. As life happens, a financial advisor can offer guidance to keep your retirement plans on track.

Tools for Advisors
Sign-in for additional resources to help you work with clients in building their retirement investment strategy.

Important Legal Information

Investing in a Franklin Templeton Fund does not guarantee one's retirement income needs will be met.

All investments involve risks, including possible loss of principal. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. Bond prices generally move in the opposite direction of interest rates. Thus, as the prices of bonds in a fund adjust to a rise in interest rates, the fund's share price may decline.

For more information on any of our funds, contact your financial advisor or download a free prospectus. Investors should carefully consider a fund's investment goals, risks, sales charges and expenses before investing. The prospectus contains this and other information. Please read the prospectus carefully before investing or sending money.

Franklin Templeton Distributors, Inc.

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