Lottery Payout Options: Annuity vs. Lump Sum (2026)
How Powerball and Mega Millions annuity payments work, how they are taxed, and how to decide between the lottery lump sum and the 29-year annuity.
Annuity Sales Hit $461 Billion in 2025 | Demand Continues
U.S. Annuity Sales Hit a Record $461 Billion in 2025 Every year LIMRA publishes the industry’s scorecard for annuity sales. The 2025 full-year numbers just came out, and they confirm what we have been seeing in our own shop: Americans within a decade of retirement are pulling serious money out of brokerage accounts and putting […]
Best Annuities for a Social Security Bridge (2026)
How to Use an Annuity as a Bridge to Social Security Delaying Social Security from age 62 to age 70 increases your monthly benefit by roughly 77%. For someone who would receive $1,800/month at 62, that delay means $3,186/month for life instead. The math is compelling. The problem is practical: how do you cover your […]
The Annuity Bridge Strategy: How to Delay Social Security to Age 70
Last updated: July 23, 2026 The annuity bridge strategy is one of the most powerful – and underused – retirement income moves available to pre-retirees in their early 60s. The concept is straightforward: use annuity income to cover your living expenses from age 62 to 70, so you can let your Social Security benefit grow […]
Average Social Security Benefit by Age (2026): What You Can Expect
Last updated: May 1, 2026 Average Social Security Benefit by Age (2026): What You Can Expect The average Social Security retirement benefit in 2026 is $1,976 per month, or roughly $23,712 per year. That number sounds reasonable until you compare it to what retirement actually costs. Most retirees spend between $50,000 and $60,000 per year, […]
How to Retire at 62: A Step-by-Step Financial Plan
Last updated: May 1, 2026 How to Retire at 62: A Step-by-Step Financial Plan Retiring at 62 is absolutely achievable, but it comes with three gaps most people underestimate: three years without Medicare, up to five years before full Social Security benefits, and a portfolio that has to last 25-30 years. Get those three gaps […]
Social Security Break-Even Age: When Does Waiting Actually Pay Off?
Last updated: May 1, 2026 Social Security Break-Even Age: When Does Waiting Actually Pay Off? The break-even age is the point at which your cumulative lifetime benefit from waiting to claim Social Security finally surpasses the cumulative total you would have collected by claiming earlier. Before that age, the early claimer is ahead. After it, […]
When Should I Claim Social Security? Age 62 vs. 67 vs. 70 Compared
Social Security at 62 vs. 67 vs. 70: Which Claiming Age Pays the Most? The short answer Claiming Social Security at 62 permanently cuts your benefit to 70% of what you would get at full retirement age. Waiting to 67 (the FRA for anyone born in 1960 or later) gives you 100%. Waiting to 70 […]
Annuity Date Explained: Key Insights & Significance
Understanding the Significance of Annuity Dates Annuity dates play a crucial role in financial planning. They determine when you start receiving income from your annuity. Understanding these dates is essential for anyone considering an annuity purchase. Annuity dates can be immediate or deferred. Immediate annuities start payments soon after a lump sum is paid. Deferred […]
Let Us Guide You to the Right Annuity
Answer a handful of questions below and we will guide you to the type of annuity that best matches your goals and objectives. Our annuity quide was generated by artificial intelligence and is conversational; meaninig your answer to each question determines the next question you will be asked. Step 1 of 7 14% Complete […]
How to Create an Annuity Ladder in 2026
Discover how to us an annuity ladder for max returns in 2026. Use our calculator to build your own ladder and download it to go.
Annuity Quiz – Test Your Knowledge
See how much you know about annuities by taking our 7 question interactive quiz.
Charitable Gift Annuities – The Definitive Guide in 2025
A Charitable gift annuity (CGA) is a contractual agreement between a donor and a charity in which the donor makes a single gift to the charity in exchange for guaranteed lifetime payments.
6 Annuitization Payout Options & How They Work
Annuitization is the process of converting a lump sum into an income stream guaranteed for life or a certain number of years (payments begin immediately).
Immediate Annuity Payouts
How Much Do Immediate Annuities Pay in 2021 A $100,000 Immediate Annuity would pay $449 monthly assuming you buy the annuity at age 65 and begin payments immediately. Assuming the same scenario, a 65-year-old female would receive $421 per month. What are Immediate Annuity Payouts Today? To give you an idea of what a $100,000 immediate […]
Are Annuities a Good Investment for Retirement in 2024
Are Annuities a Good Investment for Retirement Today? You have likely made contributions into a 401(k) or an individual retirement account (IRA) as a way to grow your retirement nest egg. An annuity is another option for retirement savings, but are annuities a good investment for retirement? Technically an annuity is actually an insurance contract, […]
