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Charitable remainder trusts available from many charities give a tax deduction based on life expectancy and steady income for life.

With interest rates so low, limiting immediate annuities as much as possible is preferred. Equities like an S&P 500 index fund offer better returns.

The classical TMF way is a ladder ed maturity bond portfolio containing 5 years of living expenses with the rest invested in equities.

The bond ladder provides a buffer against a down market. You maintain it by selling equities each year sufficient to replace the maturing bond.
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