Note: The content areas in this material are believed to be current as of the creation of this Web content, but, over time, legislative and regulatory changes, as well as new developments, may date this material.

This material is meant to provide general financial information; it is not meant to substitute for, or to supersede, professional or legal advice.

Enhancing Your Retirement, Helping Ensure the Financial Success of Youth, was prepared specifically for Generations United as a public service by the Denver-based National Endowment for Financial Education®, Ted Beck, President and CEO; Brent A. Neiser, CFP, Director of Collaborative Programs; and Mary J. Schultz, Project Manager of Collaborative Programs.

NEFE is an independent nonprofit organization committed to educating Americans about personal finance and empowering them to make positive and sound decisions to reach financial goals. The National Endowment for Financial Education, NEFE, and the NEFE logo are federally registered service marks of the National Endowment for Financial Education. For more information about the National Endowment for Financial Education, visit www.nefe.org.