As life expectancies stretch, clients may worry that they will outlast their savings. An annuity-laddering strategy could help provide lifelong cash flow, thus trimming this longevity risk and easing clients’ concerns.

Holding annuities can help clients achieve “peace of mind,” says David Buckwald, CFP, senior partner and co-founder of Atlas Advisory Group, a financial planning firm in Cranford, New Jersey — even when considering the peril posed by a possible bear market near the start of their retirement.

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