Looking for a Guaranteed Income Stream for Life? Think Annuities
Looking for a Guaranteed Income Stream for Life?
Think Annuities
Are you headed toward retirement or even in retirement and concerned about outliving your savings? Perhaps an income annuity will fit your needs. An annuity is a financial instrument that can offer a guaranteed lifetime income that you can’t outlive.
I’ve spent many years helping my clients with annuities as part of their broader financial plan. So here’s a very high-level understanding of some options.
Fixed income annuities are offered with a number of payment options, allowing you to structure payouts according to your financial goals and objectives. Consider these four income streams:
Joint life: This option provides income for two people, as long as either person is alive. When one person passes away, payments continue to the survivor.
Period certain only: This allows you to target how long you need an income stream. If you were to pass away before the end of the certain period, the remaining payments would continue to the person you designate as[…]
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