This video and workbook series explains how annuities are used to create predictable income in retirement and why they are often included as part of a broader retirement income strategy.
The goal is to help you understand how different types of annuities work, how income guarantees are structured, and how annuities can complement other retirement accounts by reducing uncertainty and managing risk.
This series focuses on education and structure — including trade-offs, costs, and design considerations — so you can better evaluate when annuities may, or may not, belong in a retirement plan.
This lesson introduces the fundamentals of annuities and explains how they are used to create predictable income in retirement. It covers the differences between fixed, variable, and indexed annuities, and how each is structured to address specific income and risk considerations.
You’ll learn how tax-deferred growth and income guarantees work, how annuities can support stability and long-term planning, and what factors influence costs, flexibility, and overall effectiveness.
This lesson outlines how retirement has changed and why longer lifespans, market volatility, inflation, and income timing now play a larger role in retirement security. It introduces the key risks that can undermine even well-funded plans if they are not managed strategically.
You’ll see how combining guaranteed income, growth assets, and liquid reserves can support stability and flexibility over time, and why confidence and control matter more than chasing returns in today’s retirement environment.
This lesson explains how annuities create guaranteed income and why they are often used as the foundation of retirement security. It walks through how annuities function, from accumulation to payout, and how income guarantees are structured regardless of market conditions.
You’ll learn the differences between fixed, indexed, and variable annuities, how immediate and deferred income options work, and how riders can be used to address inflation, spousal needs, and long-term planning considerations.
This lesson introduces the difference between essential income and discretionary spending in retirement. It explains how identifying a baseline “Need Number” for core expenses creates clarity, while separating “Want” spending restores flexibility and confidence.
You’ll learn how guaranteed income can be used to cover essentials, why this structure reduces anxiety around market movement, and how securing core needs allows the rest of retirement assets to be used more intentionally.
This lesson explores how retirement planning balances three competing priorities: safety, growth, and liquidity. It explains why no single solution can optimize all three at once, and how thoughtful structure helps manage those trade-offs.
You’ll learn how strategies like time segmentation and a multi-bucket approach can align assets with different income needs over time, helping protect essentials while preserving flexibility and long-term confidence.
This lesson focuses on inflation risk in retirement and why gradual increases in living costs can quietly erode purchasing power over time. It explains why common inflation offsets may fall short and why income planning needs to account for rising expenses across decades.
You’ll learn how strategies such as income laddering and diversified income sources can help retirement income adjust over time, supporting stability while preserving long-term buying power.
This lesson explains how annuities provide stability and income certainty during periods of economic and market uncertainty. It focuses on the structural protections behind annuities, including insurer reserves, regulation, and risk management, and why these features matter in long-term retirement planning.
You’ll learn how guaranteed income can serve as a foundation for covering essential expenses, how insurer strength influences reliability, and how annuities can be positioned to support confidence and continuity through changing market conditions.