FIREFIGHTERS AND POLICE OFFICERS AND SPOUSES

What is the Retirement Red Zone?
Understand Your Deferred Compensation Options Know Your DROP Choices

The Retirement Red Zone is a critical time when poor performance can have a serious effect on your retirement portfolio.  The result may be a retirement that lasts longer than your assets.

You’ve probably spent a lifetime building your retirement savings.  You’ve seen that stocks have performed well over the long term, but in the Retirement Red Zone, suddenly the future is now.

It may be time to re-evaluate your plan and help ensure these vital assets will generate income to support a very long, rewarding retirement.  Perhaps you are changing jobs, retiring soon, recently retired, or simply concerned about both growing and protecting your retirement assets.

If so, please join us to learn how to navigate the Retirement Red Zone and pursue a retirement that is truly the time of your life.

Sal Catalano and Suzanne Lipps
of Financial Network of America
invite you to a
complimentary dinner at

Delmonico’s
6001 Quarry Lane
Independence, OH 44131

Tuesday, April 29, 2008 – 6:00 p.m.
Wednesday, May 7, 2008 – 6:00 p.m.

Learn how to maximize your DROP account and deferred compensation $$$$ for retirement.

Seating is Limited!
Please call Theresa at 330-425-9199 to reserve your place today.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing.  This and other important information is contained in the prospectuses, which can be obtained by contacting your financial professional.  Please read the prospectuses carefully before investing.

Prudential annuities are issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey) and distributed by Prudential Investment Management Services LLC (PIMS) all located in Newark, NJ; American Skandia annuities are issued by American Skandia Life Assurance Corp. and distributed by American Skandia Marketing, Inc., both located in Shelton, CT.  All are Prudential Financial companies and each is solely responsible for its financial condition and contractual obligations.  Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.  Your licensed financial professional can provide you with costs and complete details.  Indirectly through subsidiaries, Prudential Financial Inc. owns 38% and Wachovia Corp. owns 62% of Wachovia Securities LLC.  The Retirement Red Zone is a service mark of the Prudential Insurance Company of America and its affiliates.