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Use the 4% withdrawal rule, add the inflation factor and guess what? They still cannot compete. Use this tip (below) to explain how a Fixed Indexed Annuity is a solid choice.
Then there is this: "Quantum Compounding"
Understand compounding, then explain our use of compounding in an annuity (do it one at a time) The lay on the final layer, the benefits added to the annuity contract: I call it Quantum Compounding