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Some mistakenly believe annuities alone equal a complete retirement income plan Annuities can be powerful tools to use when creating a retirement strategy In reality, annuities should be only a part of comprehensive retirement planning, not the whole thing.

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Annuities can play an important role in a variety of retirement planning strategies I’ve spent years analyzing retirement strategies, and in this article, i’ll break down how annuities work, their benefits, drawbacks, and whether they fit into your retirement plan. The main objectives annuity owners seek to achieve are maximizing their income in retirement, minimizing taxation and diversifying their retirement portfolio.