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As individuals in this ever changing economy, we can no longer rely on a company pension to meet all our retirement income needs. We must establish and monitor our own retirement goals. Based on your goals you will probably need to create assets beyond your employment based plans to make sure you meet your goals. With most of us changing employers several time throughout our working years, keeping track and keeping control of our retirement assets including 401k assets is absolutely necessary to a successful retirement.

The challenge...
The challenge is to determine what our needs will be and which retirement plans can provide the most beneficial way to build assets.

... And the choices
The C.L. Brown & Associates, LLC, LLC Agency offers a variety of fixed insurance products to help structure a retirement program to fit your needs, including:

An opportunity
If you do not have a retirement plan, or even if you do have an existing plan, you need to review the new plans created by recent tax law changes. Retirement plans are more flexible and appealing than ever before, and there are numerous plan designs to choose from. But how do you know which type of plan to choose? Allow us to give you a free look at the innovative retirement plans available today. You have retirement goals -- let us help you achieve them.

Each individual has a unique set of needs and considerations. We take into account such issues as estate preservation, current income, family business succession, and transfer of wealth to the next generation. Together with your CPA and other financial advisors, we can customize a retirement program to help maximize the tax advantages that may be available to you.

The next step
Schedule a time to meet and complete a confidential census and discuss your personal goals. Your goals may include creating a new tax deduction, increasing your current deduction, or examining new innovative retirement plans.

The important thing is to take that next step!

Note: American National nor its agents provide legal or tax advice. Please consult your attorney or tax advisor for your specific situation.

Representing

American National Insurance Company, Galveston, TX	American National Property And Casualty Company, (ANPAC®) Springfield, MO

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.