Period Certain is Cheap Insurance on SPIAs and DIAs

Period Certain is Cheap Insurance on SPIAs and DIAs

Single premium immediate annuities (SPIAs) and deferred income annuities (DIAs) are often used to provide sustainable lifetime income to replace a portion of employment income in retirement.  Both are tax-favored when nonretirement funds are used to purchase them since a portion of each income payment is a nontaxable return of principal. The primary difference between… Continue Reading

Hedge Against Longevity with a Roth IRA Strategy

Hedge Against Longevity with a Roth IRA Strategy

The title of my most recent MarketWatch RetireMentors article that was published on June 6th is 5 Reasons to Include Sustainable Income in Your Retirement Plan. Reason #1 is hedge against longevity. Although sustainable, or predictable, income from Social Security, pensions, and fixed income annuities provide lifetime income that can build a solid floor for… Continue Reading

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