How an Income Annuity Can Hedge Longevity Risk in Your 60s

Lucas and Luna dive into a specific strategy for retirees in their early 60s: using a deferred income annuity (DIA) to create a lifetime income bridge that starts at age 80. They walk through a concrete example using a $100,000 premium from a client's IRA, showing how the DIA can reduce sequence-of-returns risk and lock in a guaranteed income stream for later years. The episode also covers how this approach compares to waiting on Social Security, the trade-offs of inflation riders, and why annuities are often misunderstood as 'all or nothing' products. A practical angle for anyone nearing retirement who wants to protect against outliving their savings. #DeferredIncomeAnnuity #LongevityRisk #RetirementIncome #AnnuityStrategy #SequenceOfReturnsRisk #SocialSecurityTiming #IRARollover #GuaranteedIncome #InflationRider #RetirementPlanning #FinancialPlanning #IncomeLadder #AnnuityLadder #FixedAnnuity #Finance #FexingoBusiness #BusinessPodcast #RetirementPodcast Keep every episode free: buymeacoffee.com/fexingo