This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on July 24, 2019, and updated in January 2026 In my last article, I looked at immediate fixed-income annuities and discussed whether I might want to include them as a part of my overall retirement income plan. Guaranteed payments … Read more
As a financial coach, I often work with folks who are in the accumulation/growth phase of planning for retirement (i.e., 5 to 10 years or more away). Sometimes I come across someone who has either: 1) received a recommendation from their stock broker or insurance salesperson to purchase a fixed-rate, indexed, or variable annuity product … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It is a near-total rewrite of a similar article initially published in 2015. In a brief conversation with a friend after church, the topic of retirement came up. He and I are about the same age. He made a statement that stuck with … Read more
