John interviews David Blanchett, the Head of Retirement Research at Morningstar, to discuss how to generate retirement income. 

With interest rates at historic lows and longevity expectations longer than ever, many retirees face the challenge of having to generate income from their investments for potentially 3 or 4 decades.

As a result, many researchers suggest incorporating an income annuity as part of the overall portfolios a way to balance all the various risks. 

During the show, David talks about:
The different types of annuities, such as accumulation vs. income annuities
The benefits of risk pooling and mortality credits
The psychological impact of spending down an investment portfolio vs. receiving guaranteed income 
How to think about layering annuities into an overall income plan 

You can check out more about David here: https://www.morningstar.com/authors/1738/david-blanchett

Disclosure: this is not a recommendation for an annuity, but rather a fun and educational conversation so you can talk with your advisor and weigh the pros and cons. 

John interviews David Blanchett, the Head of Retirement Research at Morningstar, to discuss how to generate retirement income.&nbsp;
With interest rates at historic lows and longevity expectations longer than ever, many retirees face the challenge of having to generate income from their investments for potentially 3 or 4 decades.
As a result, many researchers suggest incorporating an income annuity as part of the overall portfolios a way to balance all the various risks.&nbsp;
During the show, David talks about:
<ul>
<li>The different types of annuities, such as accumulation vs. income annuities</li>
<li>The benefits of risk pooling and mortality credits</li>
<li>The psychological impact of spending down an investment portfolio vs. receiving guaranteed income&nbsp;</li>
<li>How to think about layering annuities into an overall income plan&nbsp;</li>
</ul>
You can check out more about David here: <a href="https://www.morningstar.com/authors/1738/david-blanchett">https://www.morningstar.com/authors/1738/david-blanchett</a>
Disclosure: this is not a recommendation for an annuity, but rather a fun and educational conversation so you can talk with your advisor and weigh the pros and cons.&nbsp;

The John Chapman Show is your source for retirement strategies to help you better manage your time and money. Pre-retirees face some major headwinds: ultra low interest rates, high stock valuations, increasing healthcare costs and longevity, and the ever changing tax and estate laws. If you're planning to retire within the next 10 years, are you on track to attain financial independence? Host, John Chapman, is a CFP® and Partner at WorthPointe, a boutique wealth management firm helping clients get the most from life with the money they do have. For more information, you can check out www.thejohnchapmanshow.com. 

The John Chapman Show is your source for retirement strategies to help you better manage your time and money. Pre-retirees face some major headwinds: ultra low interest rates, high stock valuations, increasing healthcare costs and longevity, and the ever changing tax and estate laws. If you're planning to retire within the next 10 years, are you on track to attain financial independence? Host, John Chapman, is a CFP&reg; and Partner at WorthPointe, a boutique wealth management firm helping clients get the most from life with the money they do have. For more information, you can check out <a href="http://www.thejohnchapmanshow.com">www.thejohnchapmanshow.com</a>.&nbsp;

The John Chapman Show Podcast

Planning to retire in the next 5-10 years? Want to ensure you are retirement ready? 

The John Chapman Show is your source for retirement strategies to help you better manage your investing, tax, insurance and estate planning.  

Pre-retirees biggest risks lie in not just investing the wealth they’ve built, but also in maintaining an up to date and secure financial plan as life changes. 

As you make the final push in your working career, be sure to stay on track with your financial plan so that ultimately you get the MOST from life with the money you do have. 

Host, John Chapman, is a CFP® and Partner at WorthPointe, a boutique wealth management firm helping clients gain financial peace of mind.

Planning to retire in the next 5-10 years? Want to ensure you are retirement ready?&nbsp;
The John Chapman Show is your source for retirement strategies to help you better manage your investing, tax, insurance and estate planning.&nbsp;&nbsp;
Pre-retirees biggest risks lie in not just investing the wealth they&rsquo;ve built, but also in maintaining an up to date and secure financial plan as life changes.&nbsp;
As you make the final push in your working career, be sure to stay on track with your financial plan so that ultimately you get the MOST from life with the money you do have.&nbsp;
Host, John Chapman, is a CFP&reg; and Partner at WorthPointe, a boutique wealth management firm helping clients gain financial peace of mind.

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