The Key to Retirement Readiness: Stay Debt-Free

  The Key to Retirement Readiness: Stay Debt-Free

   TD Ameritrade survey suggests course of action for successful retirement
                                   planning

Business Wire

OMAHA, Neb. -- January 16, 2013

Nearly 30 percent of Baby Boomers are financially unprepared for retirement
according to a new Investor Index Survey released by TD Ameritrade, Inc. (“TD
Ameritrade”), a broker-dealer subsidiary of TD Ameritrade Holding Corporation
(NYSE:AMTD). But what can we learn from the 71 percent of Boomers who say they
are financially prepared to live a comfortable life in retirement?

Boomers who successfully prepared for retirement said the top 5 things that
contributed to success were:

#1 – Limiting use of credit (67%)
#2 – Saving early and consistently (58%)
#3 – Spending less on luxuries / discretionary items (58%)
#4 – Having employment with an excellent salary (56%)
#5 – Investing in / maintaining a well-balanced portfolio (51%)

“While earning a good salary certainly makes saving and limiting the use of
credit easier, the survey shows that there are some things all of us can do to
help us be better financially prepared for a comfortable retirement,” said
Lule Demmissie, managing director, retirement, TD Ameritrade. “Saving early
and automatically, adopting more conservative spending habits and investing in
a well-balanced portfolio are things we can all do. If you can’t afford to
save or invest a lot, consider small incremental deposits in a no-fee
retirement account, and increase them as your salary increases. This path
doesn’t mean you have to cut out all discretionary spending. Instead, you
reprioritize your spending to allocate more wisely to things that make you
most happy while cutting back on those expenditures that don’t really add much
to your happiness and allocate that to your savings.”

Boomers interested in getting back on track in the new year are encouraged to
visit TD Ameritrade's website, which offers a number of free retirement
planning resources that can help investors pursue their goals, including:

1. WealthRuler™ retirement calculator that can help you examine your
retirement plans

2. Amerivest^® Portfolios, a service to provide a diversified portfolio
designed for your needs and helping you pursue your retirement goals

3. Access to a network of knowledgeable, independent third-party registered
investment advisors (RIAs) through the TDAmeritrade AdvisorDirect^TM
program.*

4. Access to Life 2.0^TM, an educational resource that provides investors with
tailored financial guidance and support based on life stage.

For more information on the surveys, including key findings, visit TD
Ameritrade's online newsroom or follow the Company on Twitter,
@TDAmeritradePR.

AMTD-G

Survey Method
An online survey was conducted with N = 2,000 U.S. Baby Boomers between
October 10 and 12, 2012, by Head Research on behalf of TD Ameritrade, Inc.
Sample was drawn from major regions in proportion to the U.S. Census,
including New England (5%), Mid-Atlantic (16%), South (25%), Midwest (22%),
Southwest (12%), West (20%). Approximately 50% of respondents in each region
were male and 50% female. All respondents were required to be: 1) Baby Boomers
(i.e., born between 1946 and 1964) and 2) Shared or sole household
decision-makers concerning saving for retirement. Two primary groups were
defined based on financial preparedness for retirement: 1) Prepared:
“Somewhat” or “very prepared” financially for retirement (n = 1,430) and 2)
Unprepared: “Somewhat “or “very unprepared” financially for retirement (n =
570). The survey took each participant 16 minutes to complete, on average. The
statistical margin of error for overall results in this study is +/- 2.2%.
This means that, in 19 out of 20 cases, survey results for questions based on
all Baby Boomers (i.e., N = 2,000) will differ by no more than 2.2% in either
direction from what would have been obtained by measuring the opinions of all
Baby Boomers in the USA.

About TDAmeritrade Holding Corporation
Millions of investors and independent registered investment advisors (RIAs)
have turned to TD Ameritrade's (NYSE: AMTD) technology, people and education
to help make investing and trading easier to understand and do. Online or over
the phone. In a branch or with an independent RIA. First-timer or
sophisticated trader. Our clients want to take control, and we help them
decide how - bringing Wall Street to Main Street for more than 36 years. TD
Ameritrade has time and again been recognized as a leader in investment
services. Please visit TD Ameritrade's newsroom or www.amtd.com for more
information.

Brokerage services provided by TDAmeritrade, Inc., member FINRA
(www.FINRA.org) /SIPC (www.SIPC.org) /NFA (www.nfa.futures.org)

About Head Research
Head Research is a division of Head Solutions Group (U.S.) Inc., a leading
market research partner for Financial Services companies in North America.
With offices in New York, Toronto, and Montreal, Head delivers the deep
customer insights that increase institutional knowledge and propel business
action. Head Research is separate from and not affiliated with TD Ameritrade,
which is not responsible for its policies and services.

About Amerivest Investment Management, LLC
Amerivest is an investment advisory service of Amerivest Investment
Management, LLC, a registered investment advisor.Brokerage services provided
by TD Ameritrade, Inc.TD Ameritrade, Inc. and Amerivest Investment
Management, LLC are both wholly owned subsidiaries of TD Ameritrade Holding
Corporation. Amerivest is a trademark of TD Ameritrade IP Company,
Inc.Amerivest provides non-discretionary and discretionary advisory services
for a fee.Risks applicable to any portfolio are those associated with its
underlying securities.For more information, please see the Amerivest
Disclosure Brochure (ADV Part 2).

All investments involve risk, including loss of income payments and loss of
principal. Past performance does not guarantee future results. There is no
assurance that the investment process will consistently lead to successful
investing. Asset allocation and diversification do not eliminate the risk of
experiencing investment losses.

*Minimum asset level required. There is no charge or obligation for the
initial consultation with the RIA. Once you select an RIA, you will pay
advisory fees and standard brokerage fees. Brokerage transactions executed
through TD Ameritrade are subject to standard transaction charges. You should
review an RIA’s Form ADV, other applicable advisor disclosure document(s) and
the AdvisorDirect Disclosure and Acknowledgement Document prior to engaging an
RIA. The Form ADV contains important disclosure information relative to an
RIA’s services and fees. RIAs charge an ongoing investment advisory fee for
their services. RIAs will pay TD Ameritrade fees for their participation in
the AdvisorDirect program. Those fees will usually constitute a percentage of
the advisory fees you will pay your RIA. For additional details about the fees
paid to TD Ameritrade and other conflicts of interest, please review the
AdvisorDirect Disclosure and Acknowledgement Document and ask your RIA about
its specific arrangement with TD Ameritrade. You are solely responsible for
evaluating any advisor that you are considering. Please note: Under no
circumstances should participation by a certain RIA in AdvisorDirect be
considered an endorsement or recommendation by TD Ameritrade for that
particular RIA.

Contact:

TD Ameritrade Holding Corporation
For Media:
Christina Goethe, 201-369-8541
Communications & Public Affairs
christina.goethe@tdameritrade.com
On Twitter @TDAmeritradePR
or
For Investors:
Jeff Goeser, 402-597-8464
Investor Relations & Finance
jeffrey.goeser@tdameritrade.com
 
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