Longer Life Could Mean More Retirement Risk with Brian Britt Part 2

The Retirement Risk Show

Content provided by Dave Hall, CPA, Dave Hall, and CPA. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Dave Hall, CPA, Dave Hall, and CPA or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.

8M ago 28:50

MP3•Episode home

In this episode, Dave Hall continues the conversation with Brian Britt about the various risks and challenges people face in retirement, particularly focusing on longevity and the crucial role of annuities in providing a secure and lasting income. Brian explains the evolution of annuities, highlighting their transformation from high-fee products to reliable, no-load financial planning tools. The discussion covers the different types of annuities, their benefits, and the strategies for leveraging them, including the opportunities for partial Roth conversions.
Noteworthy Themes:

Longevity risk in retirement
Evolution and benefits of annuities
Flexibility in annuity products
Annuities as a hedge against market volatility
Tax-efficient retirement income strategies
Annuitization options for lifetime income
Strategic Roth conversions with annuities

Key Takeaways:

Annuities have evolved into valuable financial planning tools, offering benefits such as no load, no-fee options and the flexibility to withdraw 10% annually without penalties.
They serve as a hedge against longevity risk and sequence of return risk in retirement, providing a guaranteed stream of income without the risk of losing money.
New annuity options, including living benefits and partial Roth conversions, provide more flexibility and control.
Annuities should be strategically positioned within different tax buckets to maximize tax benefits, with income from annuities ideally placed in the tax-free bucket to reduce tax liability and potential impact on Social Security taxes.

Support the show

Chapters

1. Marker 10 (00:00:00)

2. Marker 06 (00:00:18)

3. Marker 04 (00:00:55)

4. Marker 11 (00:05:08)

5. Marker 05 (00:05:59)

6. Marker 07 (00:10:33)

7. Marker 03 (00:11:09)

8. Marker 08 (00:12:49)

9. Marker 02 (00:17:29)

10. Marker 09 (00:22:15)

11. Marker 01 (00:22:34)

133 episodes

#Trading #Business #Dave Hall