*EverBank is an FDIC insured federal savings association. The standard insurance amount of $250,000 is in effect through December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations, including changes in currency prices. Due to the nature and volatility of the foreign exchange market the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. As with all investments, investors can lose money, including principal due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.

**EverBank does not act as the custodian for all IRA accounts. Based on the product you choose, you may be required to establish a custodial account with a predetermined and unaffiliated 3rd party in order to maintain your IRA account(s) at EverBank. This 3rd party may impose a fee for their service.

For the retirement age chart

1. Mean age at initial award of benefit for disability or retirement, calculated as the weighted average of the mean ages of those receiving awards for retirement and disability. The mean for individuals awarded disability benefits is limited to those 50 to 64 years of age.
2. Median age at exit from the labor force of 5-year cohorts aged 50–54 years through 75 or older for reasons other than death.
3. Average remaining life expectancy at the median age at exit from the labor force.
4. Age data for disability awards are not available. If they were, the means would be lower.
5. The mean retirement age for women in 1997 was 65.4, much higher than the means since the 1960s or in 1998 or 1999. It was, therefore, regarded as an anomaly and disregarded. The data for both women and men is limited to the period 2000–04, the latest period available.
6. Calculated from data for 1995, 2000, 2005, and 2010 which were adjusted to the levels prior to the 1994 revision of the Current Population Survey. For information about the adjustment, see Murray Gendell, “Retirement age declines again in 1990s,” Monthly Labor Review, October 2001, pp. 12–21.
7. Data for 2010 were projected by the Bureau of Labor Statistics in 2007. See Monthly Labor Review, November 2007, for a description of the projection. More detailed age data than those in the published report were provided to the author by BLS.
8. Not available.

SOURCE: Gendell, Monthly Labor Review, October 2001, p. 20, endnote 6 and table 1; Life expectancy estimates calculated from national life tables for 1952, 1967, 1982, 1997, and 2002. Estimates for 2007 obtained by linear interpolation between life expectancies at specified ages for 2000 and 2010 in Life Tables for the U.S. Social Security Area 1900–2100, Actuarial Study No. 116, Social Security Administration, Office of the Chief Actuary, August 2002, table 6. Annual Statistical Supplement to the Social Security Bulletin, 2005, tables 6.B5 and 6.C2.