How a Fixed Annuity Ladder Replaces Your Pension Gap

Lucas and Luna explore how a fixed annuity ladder can fill the pension gap for workers who don't have a defined-benefit plan. They break down a concrete example: a 55-year-old with $200,000 deploying it across three deferred fixed annuities starting at ages 62, 65, and 68 to create a predictable income stream. The hosts compare this strategy to bond ladders and single premium immediate annuities, highlighting the flexibility and inflation considerations. Specific numbers around interest rates, payout rates, and surrender periods are discussed, with a focus on the trade-off between liquidity and guaranteed income. This episode offers a practical blueprint for DIY retirement income planning without relying on employer pensions. #FixedAnnuity #AnnuityLadder #RetirementIncome #PensionGap #PersonalFinance #Finance #RetirementPlanning #IncomeStream #DeferredFixedAnnuity #BondLadder #InterestRates #LongevityRisk #FexingoBusiness #BusinessPodcast #LucasAndLuna #FexingoAnnuities #WealthManagement #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo