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Scott Burns: The Case for a Simple Retirement Plan
The Long View
Simplify and Consider Annuities for Retirement
Consider simplifying your finances before opting for annuities, as simplicity can help avoid difficulties. Basic annuities can be beneficial for wealthier individuals who struggle to spend from their growing portfolios. An annuity can provide a fixed income stream, serving as a safeguard in case of cognitive decline. While annuities may not be attractive to everyone, especially those without pensions, they can be a solution to ensure a steady income in retirement. Simplification is key to financial decision-making, as it can help individuals avoid unnecessary complications in their financial planning, such as holding onto unnecessary assets or oversized homes.
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