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A NOTE FROM LACIE
Retirement planning is often just the search for peace
For many people, that doesn’t look like heavy stock-market investing. It looks like consistency: a guaranteed monthly income that takes care of the essentials for life. For my wife, Robin, and me, income-for-life annuities are a no-brainer given our main goal of peace of mind. If that sounds like you, I can help.
WHY FEDERAL EMPLOYEES CHOOSE THIS
Turn part of your savings into a paycheck you can’t outlive
Layer on your pension
Add a personal annuity to your FERS or CSRS pension and Social Security for a clear, predictable path that replaces your paycheck.
A private pension
With a lifetime income rider, you fund it once and it guarantees income for life, regardless of the market. Use it to delay Social Security or bridge to Medicare.
Roll over your TSP
Moving a portion of your TSP to an IRA opens up income bonuses, annual roll-ups, joint lifetime income, and inflation riders.
COMPARE BEFORE YOU CHOOSE
Not all annuities are created equal
Joint vs. single
Decide whether your spouse keeps receiving income.
Income growth
Compare roll-ups, bonuses, and inflation options.
Insurer strength
Your guarantee is only as strong as the company behind it.
Flexibility vs. simplicity
More features can mean more complexity. Find your balance.
Common questions
What is a guaranteed lifetime income annuity?
A contract with an insurance company that provides a stream of income for life, no matter how long you live.
Can I use my TSP to buy one?
Yes. Many federal employees roll over a portion of their TSP to an IRA and use those funds to purchase an income annuity.
What is a lifetime income rider?
An optional feature that guarantees lifetime income, often with increases for delaying payouts.
Is the income taxable?
Usually, especially when funded with pre-tax dollars from a TSP or IRA.