Annuity guides

If you’re married and thinking about buying an annuity, one of the biggest decisions is this: Should you choose a joint-life annuity so income continues to your spouse, or should you take a higher single-life payout and use life insurance to protect them instead? This question becomes even more important when there is a large […]

When you buy an annuity for lifetime income, one of the biggest questions is simple: What happens if the insurance company goes bankrupt? It is a fair question. If you are trusting an insurance company with a large portion of your retirement savings, you want to know your income is as safe as possible. The

A lot of people wonder the same thing: Is $500,000 enough to retire on an annuity? The honest answer is: it depends on your income goals, your age, whether you’re single or married, and which annuity strategy you choose. But here’s the part many retirees don’t realize: $500,000 may be able to produce more guaranteed

A lot of people buy an annuity because they want safety, income, growth, or protection from market losses. And in many cases, an annuity can be a phenomenal retirement tool. But I also meet people all the time who regret the annuity they bought. Not because annuities are bad. Not because guarantees are bad. But

High net worth retirees are starting to rethink the traditional portfolio. For decades, the standard retirement advice was simple: build a stock and bond portfolio, withdraw from it carefully, and hope the market cooperates. But for many wealthy retirees, that strategy no longer feels comfortable. When you’ve spent decades building $3 million, $5 million, $10

Sequence of returns risk is one of the biggest threats to retirement income, yet most retirees do not hear much about it until it is already affecting their portfolio. You can have a solid amount saved. You can follow a “safe” withdrawal strategy. You can even average a decent return over time. But if the

The biggest lie people believe about annuities is that they are designed to produce huge growth. That is not how I believe annuities should be viewed. Yes, some annuity illustrations may show impressive-looking numbers. You might see hypothetical returns that look like 20%, 30%, or even more in a single year. I have even seen

When people ask me about annuities, one of the most common things I hear is: “I want lifetime income, but I also want strong growth, flexibility, and money left behind for my family.” That sounds great. But here’s the truth: with annuities, there is almost always a trade-off between growth and guaranteed income. You can

If you’re thinking about buying an annuity, timing matters more than most people realize.And one of the biggest regrets I hear from retirees is simple: “I wish I had done this sooner.” The truth is, waiting too long to buy an annuity can cost you tens of thousands per year in retirement income. Let’s break

If you’re nearing retirement, you’ve probably asked this question: Should I be using CDs, bonds, or annuities right now? Because what worked 10–15 years ago… doesn’t always work today. Interest rates, inflation, and market volatility have changed the game. And right now, a lot of retirees—and even high-net-worth investors—are quietly shifting how they allocate their