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Hi, Howie
Many thanks - I've had very much the same concerns, of course.
I may go for a lifetime annuity, as part of my expected stream of retirement income, combined with a life insurance policy for my wife who is quite a bit younger than myself. Because of the latter, it would not make sense to buy a joint annuity (would bring down the income from the principal too much). On the other hand, I could use some of the annuity income to pay for a life insurance policy every month. She would also have the other assets to use. In the meantime, I would use the other assets to provide for a combination of growth (incl. 401-K) and income. Kind of covers all the risk bases the best I can...
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