đź’¬ Show Notes
In this episode, we dig into fixed annuities and U.S. Treasuries—how they can bring stability and income to your retirement. We’ll also discuss Social Security risks and how to stress-test your plan so you can retire with confidence. Let’s get you one step closer to rocking retirement!
SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
- (00:00) Today we talk about the basics of fixed annuities.
- (00:59) Roger continues the discussion on navigating retirement planning during uncertain times.
- (02:06) Listener, Christina, asks Roger to consider stress testing including Social Security for the average potential retiree.
- (07:17) Roger defines fixed annuities and how they fit into the retirement planning process.
- (07:54) Roger evaluates the similarities and differences between CDs and fixed annuities.
- (10:08) What are the negatives of fixed annuities?
- (12:27) How are the rates of annuities determined?
- (14:08) What are the primary uses of fixed annuities?
- (15:12) Roger goes through an example of optimization using fixed annuities.
LISTENER QUESTIONS
- (19:38) Listener, Barbara, asks Roger to educate listeners about the basics of treasuries.
SMART SPRINT
- (24:36) In the next seven days, I want you to shift the way you approach your retirement planning. Think of yourself as a scientist—you're on a mission to discover and understand. When we run these stress tests or feasibility tests, the goal is to uncover where potential risks might exist and where opportunities could be hiding.
BONUS
- (25:25) Roger reads from his grandfather’s WWII Journal
REFERENCES
Books:
Show notes created by https://headliner.app
What is Retirement Answer Man?
A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com