John AndersonQLACs let you move part of your IRA into guaranteed future income while lowering today's RMDs. Here's how they work and who they fit.
Jeff FrankenfieldCap rate, participation rate, spread: the three terms that determine how a fixed indexed annuity actually calculates your credited interest, explained in plain language.
John AndersonWhat is an annuity income rider, and how does it actually work? A plain-language breakdown of the feature that turns retirement savings into lifetime income.
Jeff FrankenfieldSurrender periods are one of the most misunderstood parts of an annuity contract. Here's how they work, how charges decline over time, and what free withdrawal provisions allow.
John AndersonAnnuity laddering spreads your money across contracts with staggered maturity dates, so you get guarantees and flexibility instead of choosing between them. Here's how it works.
Jeff FrankenfieldRunning out of money is consistently retirees' top financial fear. Here's why it happens even to careful savers, and one framework — splitting "needs" from "wants" — that can ease it.