Annuity laddering involves purchasing multiple annuities with different start dates, term lengths, or interest rates, similar to CD laddering. This strategy provides flexibility, captures potentially rising rates, avoids locking all your money into a single surrender period, and creates staggered income streams.
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When an annuity actually fits
A floor, not a fortress.
Used right, an annuity is the income floor your retirement budget rests on. Used wrong, it's a high-fee box your money is locked inside. We model both before recommending either.
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