Key Takeaways (TL;DR) Retirement success is less about “the number” and more about cash-flow durability, tax efficiency, and risk control. A resilient plan blends...

Big idea: Life insurance and fixed indexed annuities (FIAs) aren’t either/or. Used together, they can help protect income, manage taxes, and transfer wealth more...

When planning for retirement, one of the greatest challenges is balancing growth potential with protection of principal. Many investors seek opportunities that allow...

How much can you spend without running out of money? The 4% rule is a popular rule of thumb, but you can do better. Here are guidelines for finding your personalized...

What Is a Fixed Index Annuity? A fixed index annuity is a financial product whose terms are defined by a contract between you and an insurance company. It features...

Many people decide to claim their Social Security benefit when they retire. You may be one of them. It could be that you need the money, or maybe you want to invest it...

Learn how the market, economy, and demographics are shaping the annuity industry. The annuity industry is having a moment. After years of mixed opinions and confusion...

Each June, Annuity Awareness Month shines a spotlight on one of retirement’s most misunderstood—but potentially powerful—financial tools: the annuity. In 2025, as...

Although your CalPERS service retirement is a lifetime benefit, and you have other income sources available to you, money can still be tight. Making ends meet is a big...