None of this means everyone should rush out and annuitize half
their retirement savings. Individual circumstances vary. Your
health, your other income sources, your legacy goals, and your
comfort level all factor into whether a single premium immediate
annuity makes sense — and if so, how much to allocate.

But the default assumption is worth questioning. For decades,
the retirement planning conversation has treated SPIAs as
unusual or niche products. The research suggests the opposite:
that for most retirees without pensions, some level of
annuitization produces better outcomes across income, risk,
and legacy than relying entirely on portfolio withdrawals.

The question isn’t “why would I buy a SPIA?” It’s
“how much of my retirement income gap could a SPIA
close — and what would that do for my peace of mind?”

That’s a question worth answering with real numbers based on
your specific situation, not with generalizations. And it’s
one we’re happy to help with.