Retirement Planning

• Guaranteed, reliable, predictable income for life
• Tax Advantaged Income
• Income Continuity for Surviving Spouse
• Avoiding running out of assets
• Mimizing income tax liabilities
• Reducing or eliminating:
• market risk (is risking it all smart?)
• interest rate risk (is there anything better zero?)
• longevity risk (living too long)
• inflation/deflation risk
• credit risk (global debt)
• mortality risk (dying too soon)
• morbidity risk (getting sick along the way)
• demographic risk (aging society)
• liquidity risk (or lack of)