August 2026

If you have $5 million saved for retirement, you are in a strong financial position. But does guaranteed income still matter when your portfolio can already generate substantial income from Treasury securities, bonds, municipal bonds, dividend-paying stocks, or a diversified investment strategy? Maybe it does, and maybe it doesn’t. I work with many people who […]

If you have $3 million saved for retirement, you might assume that financial worry should disappear. After all, $3 million is still a significant amount of money. Even earning a relatively modest 3% could produce around $90,000 per year before taxes without requiring you to withdraw the original principal. But retirement anxiety is not always

If you have $2 million saved for retirement, you may feel like guaranteed income is unnecessary. You have built a substantial portfolio, and you may believe you can simply invest the money and withdraw what you need. You might be right. Not everyone with $2 million needs an annuity, but guaranteed retirement income may still

If you have $1.5 million saved, should you buy an annuity? The honest answer is that it depends on what you need your money to accomplish. I sell annuities, and that is how I make money. But there are times when I tell someone not to buy one because an annuity should solve a real

If you have $1 million saved, you may be wondering how much monthly retirement income it could realistically generate. You may also have several million dollars but only want to allocate $1 million toward creating reliable income. The answer depends heavily on your age, marital status, where you live, when you begin taking income, and

If you have $500,000 saved for retirement, what should you do? My first priority would be creating reliable income without committing every dollar to an illiquid product. An annuity could provide a contractual income stream for life, but I would only use the portion needed to establish that income. I would keep the rest available

If you have $1 million saved for retirement, this article will explain how you could create lifetime income for retirement. This can be done by using a portion of the money to create contractual lifetime income through an annuity. This can provide an income stream you cannot outlive while allowing you to keep the rest

If you have $750,000 saved for retirement, how much guaranteed income could that money create? The answer depends on several factors, including your age, marital status, when you want the income to begin, and the annuity contract you select. In one recent joint-income illustration, $750,000 generated approximately $65,610 per year in guaranteed lifetime income after

When people compare fixed indexed annuities, they often focus on products from A-rated insurance companies. But what about the best annuity cap and participation rates available from B++ carriers? B++ carriers can offer competitive growth opportunities, strong market protection, and sometimes better cap or participation rates. However, the highest advertised rate is not always the