b'The Bottom LineBy Mark Melkowski602-793-6493 or mark@eagleadvisorygroup.comI n retirement today thereoffset that? If you are blessed to have a are many challenges thatpension, you need to be aware of how retirees and pre-retireesthat will work when someone passes face. You become the mostaway. Income is the most important asset sought-after people in theyou have because income takes longevity financial world. You may have many questions andoff the table, the longer we live the more concerns about retirement, health care, long term care,income we will need, so since you insure taxes, inflation, and income.your car, your house and even your cell phone, why not insure your income? Many retirees and pre-retirees have questions on several financial scenarios. You may even be nervousOne of the best and most efficient ways to make sure youLiquidity: If we need money in an emergency, we have about going into retirement and how to know that yourhave guaranteed income, that will provide you with thea growth bucket that provides us with some upside. concerns are going to be met.ability to sleep well at night and enjoy a comfortable and productive retirement, is by using an annuity. There areIncome: In all likely hood, this is the most important. One of the most important concerns for all of usdifferent types of annuities in the market today, so youIf you knew you had guaranteed income for life, then if should be income. We work all our lives to receive adefinitely want to make sure you understand how eachand when the growth bucket takes a hit, you would be paycheck and then upon retirement, we still need aannuity would work for your situation.insulated against some of the financial burdens because steady stream of income to ensure our quality of life.you know for sure your basic income needs will always How do we make sure that no matter how long we liveWith certain annuities, you can protect your principalbe met. we will never outlive our income? Is it important tofrom market risk, lock in all your gains and provide have our assets protected? Should we identify the assetsyou and your spouse with the income you will needToday, it may be time to look at how you can guarantee we have at risk? What income do we have that will befor your retirement years. Having income that willyour income and give yourself and your spouse the guaranteed for life?never go away can provide you with the peace of mindpeace of mind that all your basic needs are met. The that will relieve the stress and uncertainty of potentialquestion you have to be strong enough to address, is no We know that our social security will be there, butincome loss.matter what the vehicle is called, do I want to ensure remember if you are married and your spouse dies, onemy income, or do I want to risk not knowing? of the social security checks will vanish. How do youIn retirement, we have a couple of areas that need to be addressed: Western Trading Post TV on The Cowboy Channel Sunday, 7:30 PM ESTUpcoming Auctions!March 14, April 11, May 1612 March 2020'