Ken Nuss

The challenge is to get the best combination of yield and liquidity from the guaranteed portion of your retirement savings.

Buffering the risk of living to a very old age.

The right mix of growth, safety and safety-plus-growth-potential investments is determined by your risk tolerance.

CDs have one main advantage over annuities, but it’s a tiny advantage, all things considered.

Ensure fairness across generations by choosing the right annuity or life insurance distribution method.

If the bull market has skewed your asset allocation, fixed-rate annuities or fixed indexed annuities can help.

QLACs let you defer some required minimum distributions, letting more money grow in your IRA or 401(k). If you don’t need the income early in your retirement, RMDs cause problems. There is just one way to reduce your RMDs.

Fixed annuities are a bond substitute offering guarantees, safety, flexibility and tax deferral.