Some of the areas a comprehensive financial plan would typically analyze include the following: estate, retirement, investment, insurance, income tax and college.

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Ultimately it is the general account of the insurance company that is guaranteeing the retirement savers future income stream in the event the retirement savers portfolio value cannot support the generation of the guaranteed income stream.

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Take, for example, a recent analysis by Aviva, an insurance company, which attempted to calculate the difference between the expectations of European workers for a retirement income and the benefits they will actually receive.

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