In this episode, Marty Becker walks through a real retirement income case study involving a married couple who recently met with an advisor at Fidelity. The couple is fully retiring within the next year and needs $10,000 per month in guaranteed income on top of Social Security.

Marty breaks down their current portfolio, explains why a 70/30 stock-to-bond mix and a 4% withdrawal rate can create long-term risk, and shows how sequence of returns can impact retirement outcomes—especially when one spouse is much younger.

The episode compares a traditional single premium immediate annuity recommendation with a more advanced strategy using multiple annuities. Marty explains how both approaches provide the same lifetime income guarantees, but how a multi-annuity strategy can reduce the amount of capital required while improving income reliability, lowering withdrawal rates, and increasing discretionary assets.

You’ll also learn:

Why worst-case and best-case scenarios matter in retirement planning

How guaranteed income changes withdrawal rates and income reliability

The pros and cons of simplicity versus efficiency in annuity strategies

When a multi-annuity approach works best, and who it may not be right for

This episode is ideal for retirees or near-retirees who are evaluating annuity recommendations from large firms like Fidelity and want to understand if there is a smarter, more efficient way to generate lifetime income.

To learn more about annuities and see if a strategy like this fits your situation, visit atlasannuity.com to watch the “20% More Spendable Income in Retirement” video series or schedule a short Zoom call to get your questions answered.