06/05/2026
She had $800k saved. She still ran out of money. Here’s why and how to make sure it doesn’t happen to you.
Most women will outlive their retirement savings by 10 to 20 years. That’s not a scare tactic. That’s the data. And yet most retirement plans don’t account for it.
A properly structured annuity is one of the most underused retirement income strategies for women because it works like a personal pension. Guaranteed income. Every single month. For life. Whether the market is up, down, or sideways.
There are three types you need to know:
• Fixed annuity: stable, predictable, low risk
• Indexed annuity: tied to market index, with a floor so you can’t lose
• Variable annuity: more growth potential, more risk
The right one depends on your timeline, your income needs, and who’s structuring it for you.
I’m Sarah, retirement income strategist, I help women build guaranteed income plans so they never run out of money.
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