December 2019 – If you’re worried about future market returns and want to lock in your current values but don’t feel today’s low interest rates will secure the income you need for a worry free retirement lifestyle, annuities are an option well worth considering. They can provide guaranteed lifetime income for you (and your spouse), can be structured to increase for inflation, and even provide an estate value if you so choose. Having guaranteed lifetime income to cover at least the cost of your essentials (housing, food, health, etc.) is a smart retirement strategy.