What happens if retirement arrives sooner than expected—or your income plan depends too much on the market? David Gagnan explains why annuities are getting renewed attention in today’s retirement landscape and how they may help create predictable lifetime income. He discusses the different types of annuities, common misconceptions, healthcare-related features, and how they can fit into a broader retirement strategy. The conversation also explores forced early retirement, Social Security timing, healthcare costs before Medicare, debt management, and the importance of building a flexible income plan that can adapt to life’s unexpected changes.

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