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CDs are best for money you will not need for a set time and you want predictable interest. CDs are not ideal for emergency funds.
Compare The Best CD Rates of January 2026 (Up to 5.00%)
Compare today's best CD rates from 475 banks and credit unions in the United States.
www.annuityexpertadvice.com
January 20, 2026 at 1:31 AM
CDs are best for money you will not need for a set time and you want predictable interest. CDs are not ideal for emergency funds.
An income floor can include Social Security, pensions, and guaranteed-income products. When essentials are covered, equities can do their job.
How To Invest in Equities Safely for Retirement
Equities offer long-term growth potential, inflation protection, and a history of outpacing fixed income. But they're volatile. Retirees need downside
www.annuityexpertadvice.com
January 20, 2026 at 12:02 AM
An income floor can include Social Security, pensions, and guaranteed-income products. When essentials are covered, equities can do their job.
A crash hurts most when you are forced to sell to pay bills. This guide explains how to build a safer retirement plan that avoids panic selling.
How To Protect Your Retirement Accounts From A Stock Market Crash
With market volatility, many investors are worried. Learn how to protect and grow retirement accounts from losing money in a stock market crash.
www.annuityexpertadvice.com
January 19, 2026 at 10:16 PM
A crash hurts most when you are forced to sell to pay bills. This guide explains how to build a safer retirement plan that avoids panic selling.
A common retirement approach is funding near-term spending with safer income and keeping equities for long-term growth. That reduces panic selling risk.
How To Invest in Equities Safely for Retirement
Equities offer long-term growth potential, inflation protection, and a history of outpacing fixed income. But they're volatile. Retirees need downside
www.annuityexpertadvice.com
January 19, 2026 at 8:06 PM
A common retirement approach is funding near-term spending with safer income and keeping equities for long-term growth. That reduces panic selling risk.
Social Security spouse benefits depend on marriage length, age, and your own benefit amount. This guide explains common misunderstandings and what matters.
What to Know About Whether Two Wives Can Collect Social Security From One Husband
A man was legally married to two different women at different times. One is a current spouse; the other is a former spouse. The question is: can both collect
www.annuityexpertadvice.com
January 19, 2026 at 7:10 PM
Social Security spouse benefits depend on marriage length, age, and your own benefit amount. This guide explains common misunderstandings and what matters.
The Best Savings Rates For The Week Of January 19, 2026.
January 19, 2026 at 6:31 PM
The Best Savings Rates For The Week Of January 19, 2026.
Can you retire at 70 with $400k? It depends on the income gap after Social Security. This guide shows how to estimate the gap and plan around it.
Can I Retire At 70 With $400,000? Compare How To Turn It Into Reliable Lifetime Income
The most efficient way to convert savings into a protected “paycheck” is a fixed indexed annuity (FIA) with a guaranteed lifetime withdrawal benefit (GLWB).
www.annuityexpertadvice.com
January 19, 2026 at 4:46 PM
Can you retire at 70 with $400k? It depends on the income gap after Social Security. This guide shows how to estimate the gap and plan around it.
One way to lower long-term care cost is adjusting the elimination period, benefit period, and daily benefit. Small tweaks can cut premiums a lot.
What Is The Least Expensive Type Of Long-Term Care?
Discover the least expensive type of long-term care and learn how home-based care can provide affordable support. Contact The Annuity Expert's financial advisors and insurance agents for a free consultation.
www.annuityexpertadvice.com
January 19, 2026 at 3:16 PM
One way to lower long-term care cost is adjusting the elimination period, benefit period, and daily benefit. Small tweaks can cut premiums a lot.
Medicare timing mistakes can cause penalties or coverage gaps when you retire. This guide helps you align dates so you do not overpay or go uninsured.
5 Medicare Timing Mistakes to Avoid When Retiring
Your husband is retiring on June 27, just days after his 65th birthday on June 22. He plans to enroll in Medicare Part A and B, but you're unsure whether he
www.annuityexpertadvice.com
January 19, 2026 at 1:31 AM
Medicare timing mistakes can cause penalties or coverage gaps when you retire. This guide helps you align dates so you do not overpay or go uninsured.
Once you see the numbers, consider building an income floor for essentials so you do not have to cut spending when markets drop.
Savings Withdrawal Calculator
Need to know how much you can safely withdraw from your savings without running out of money? Use this savings withdrawal calculator to find out!
www.annuityexpertadvice.com
January 19, 2026 at 12:02 AM
Once you see the numbers, consider building an income floor for essentials so you do not have to cut spending when markets drop.
Using RMDs for premiums fits best for retirees already taking distributions and worried about healthcare costs. It fits less during heavy Roth-conversion years.
3 Smart Ways to Use RMDs to Pay for Medicare and Long-Term Care Premiums
Many retirees don’t need their full RMDs for daily expenses, yet they are forced to take taxable withdrawals. This extra income can push them into a higher
www.annuityexpertadvice.com
January 18, 2026 at 10:16 PM
Using RMDs for premiums fits best for retirees already taking distributions and worried about healthcare costs. It fits less during heavy Roth-conversion years.
Hit the lottery? The first risk is not spending - it is taxes and bad decisions. This guide covers lump sum vs annuity payouts and what to do first.
Lotto Winnings: Is It Better to Take the Lump Sum or Annuity?
If you win the lottery, you have to decide whether you want to collect the money all at once or over a long time. This guide will weight the Pros and Cons.
www.annuityexpertadvice.com
January 18, 2026 at 7:10 PM
Hit the lottery? The first risk is not spending - it is taxes and bad decisions. This guide covers lump sum vs annuity payouts and what to do first.
Some people use a fixed or indexed annuity as part of the safe bucket to reduce sequence risk. Compare surrender terms and income options first.
5 Smart Ways to Adjust Your Investment Strategy in Your 50s Without Sacrificing Growth
Investing 85% in stocks in your 50s is risky, especially if you plan to retire within the next 10 years. A market downturn at the wrong time could
www.annuityexpertadvice.com
January 18, 2026 at 6:16 PM
Some people use a fixed or indexed annuity as part of the safe bucket to reduce sequence risk. Compare surrender terms and income options first.
If something is missing, gather proof like W-2s or tax returns and start the correction process early. Waiting can delay benefits later.
7 Ways to Find Out If Social Security Owes You Money
Log in to your my Social Security account to check your earnings record and benefit estimates. Errors in reported earnings could mean you’re owed more than
www.annuityexpertadvice.com
January 18, 2026 at 3:16 PM
If something is missing, gather proof like W-2s or tax returns and start the correction process early. Waiting can delay benefits later.
SSDI planning fits best for workers with mortgages and family bills. It fits less if you have minimal fixed expenses and a large emergency fund.
How Much Social Security Disability Will You Get if You Make $60,000 a Year?
Take a closer look at the truth about how your income impacts benefits. You might qualify for more than you think.
www.annuityexpertadvice.com
January 18, 2026 at 2:02 PM
SSDI planning fits best for workers with mortgages and family bills. It fits less if you have minimal fixed expenses and a large emergency fund.
Crash planning fits best for retirees and near-retirees. It fits less if you are decades from retirement and regularly invest through volatility.
How To Protect Your Retirement Accounts From A Stock Market Crash
With market volatility, many investors are worried. Learn how to protect and grow retirement accounts from losing money in a stock market crash.
www.annuityexpertadvice.com
January 18, 2026 at 1:31 AM
Crash planning fits best for retirees and near-retirees. It fits less if you are decades from retirement and regularly invest through volatility.
Before you visit Social Security, check what can be handled online or by phone, then bring the right documents. A little prep can save hours.
How to Visit a Social Security Office: Every Option Explained
Social Security offices are essential for tasks like applying for retirement benefits, Medicare enrollment, requesting a replacement Social Security card, or
www.annuityexpertadvice.com
January 18, 2026 at 12:02 AM
Before you visit Social Security, check what can be handled online or by phone, then bring the right documents. A little prep can save hours.
Long-term care insurance rate hike? This guide shows ways to respond without panic-canceling, including benefit changes that can reduce premiums.
7 Smart Ways to Handle a Long-Term Care Insurance Rate Hike
Long-term care insurance premiums can rise unexpectedly, making it difficult to maintain coverage. Many policyholders face a tough decision: pay the higher
www.annuityexpertadvice.com
January 17, 2026 at 10:15 PM
Long-term care insurance rate hike? This guide shows ways to respond without panic-canceling, including benefit changes that can reduce premiums.
If you cannot qualify for traditional LTC, compare hybrid life/LTC or annuity-based LTC benefits. Different underwriting can open doors.
What Is The Least Expensive Type Of Long-Term Care?
Discover the least expensive type of long-term care and learn how home-based care can provide affordable support. Contact The Annuity Expert's financial advisors and insurance agents for a free consultation.
www.annuityexpertadvice.com
January 17, 2026 at 9:21 PM
If you cannot qualify for traditional LTC, compare hybrid life/LTC or annuity-based LTC benefits. Different underwriting can open doors.
The smartest first move with a disappointing annuity is getting an in-force illustration. It shows what you own today and what it can realistically do.
How to Fix a Bad Annuity Without Making It Worse
Bad annuities usually happen because someone trusted the wrong advisor, didn’t compare multiple insurers, or didn’t understand the long-term trade-offs before
www.annuityexpertadvice.com
January 17, 2026 at 7:41 PM
The smartest first move with a disappointing annuity is getting an in-force illustration. It shows what you own today and what it can realistically do.
Annuities fit best for people who value guarantees and predictable income. They fit less for people who need full liquidity or want maximum upside.
5 Annuity Myths That Could Cost You a Secure Retirement
Annuities are often misunderstood, leading many retirees to overlook one of the most powerful financial tools available. While there are unscrupulous
www.annuityexpertadvice.com
January 17, 2026 at 4:46 PM
Annuities fit best for people who value guarantees and predictable income. They fit less for people who need full liquidity or want maximum upside.
This annuity calculator is best for people who want predictable income and less market stress. It is not ideal if you need full liquidity or want market-only growth.
Income Annuity Calculator: Estimate Your Payout In Real-Time
Use our annuity calculator to determine how much it will pay. Estimate payout amounts that update in real time and plan your financial future effectively. Request free quotes.
www.annuityexpertadvice.com
January 17, 2026 at 2:02 PM
This annuity calculator is best for people who want predictable income and less market stress. It is not ideal if you need full liquidity or want market-only growth.
Retiring at 62 can work, but Social Security is reduced for life and you may need health coverage until Medicare at 65. This guide helps you plan the gap.
7 Smart Steps to Retire Comfortably at 62 Without Running Out of Money
Discover how to retire at 62 with our expert guide. Learn budgeting tips, income strategies, and why early retirement can be fulfilling. Get a free quote.
www.annuityexpertadvice.com
January 17, 2026 at 1:31 AM
Retiring at 62 can work, but Social Security is reduced for life and you may need health coverage until Medicare at 65. This guide helps you plan the gap.
Annuity myths cause expensive mistakes. This guide breaks down common myths so you judge an annuity by contract details, not internet opinions.
5 Annuity Myths That Could Cost You a Secure Retirement
Annuities are often misunderstood, leading many retirees to overlook one of the most powerful financial tools available. While there are unscrupulous
www.annuityexpertadvice.com
January 17, 2026 at 12:02 AM
Annuity myths cause expensive mistakes. This guide breaks down common myths so you judge an annuity by contract details, not internet opinions.
Million-dollar IRA planning fits best for retirees who want a realistic plan for good and bad markets. It fits less if you assume steady returns every year.
Buy Smarter: How Long Will A $1,000,000 IRA Really Last?
Discover the longevity of a million-dollar IRA using the 4% rule and compare with a GLWB annuity offering 5-7% withdrawal rates.
www.annuityexpertadvice.com
January 16, 2026 at 10:16 PM
Million-dollar IRA planning fits best for retirees who want a realistic plan for good and bad markets. It fits less if you assume steady returns every year.