Some employees tend to save for retirement without spending enough time on retirement income planning. What monthly income will they need? What form will it take? Nailing down a retirement income strategy well before retirement can make all the difference in the quality of their retirement lifestyle.

Participants in your group's retirement plan with VALIC have access to income planning that can convert their savings into a lifelong resource. With assistance from a VALIC financial advisor, employees can draw up a blueprint for retirement income planning that:

•  Analyzes their budget

•  Projects income needs during retirement

•  Reviews current retirement savings and other resources

•  Explores ways to increase retirement savings, if needed

For more information, your plan participants can request a copy of VALIC's retirement income planning brochure (VC 23161) or contact your group's VALIC financial advisor or call 1-877-528-4827.

Annuity contracts are issued by The Variable Annuity Life Insurance Company. Annuities and mutual funds offered by VALIC are distributed by its affiliate, American General Distributors, Inc., 2929 Allen Parkway , Houston , Texas 77019 , member FINRA.

The information in this newsletter is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.