Pensions are disappearing, 401(k)s are everywhere, and federal employees often face confusing decisions about lifetime income. In this episode of Rayna Retirement, Rayna Reyes explains the critical difference between annuitization and other lifetime income strategies that let you keep access to your retirement savings.
Rayna breaks down what happens when you annuitize your balance—why it may leave you with guaranteed income but no bucket of money to pull from—and explores alternatives that provide both guaranteed income for life and flexibility for your family.
If you or your spouse have a 401(k), TSP, or other retirement account and want confidence that you’ll never outlive your money, this episode is for you.
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
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