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There are only two doors to retirement. You either outlive your money... or your money outlives you. There is NO THIRD DOOR

Do you ever worry about living longer than your money?

How about the interest rates you're getting on your bonds compared to inflation nowadays? Even the value of bonds has been dropping over the last year or so. So much for so-called "safe" bonds.

Do you also ever worry about the big swings your stocks and mutual funds endure?

The Problem: During 2019 and 2020, JP Morgan, Bank of America, and Barron's declared that the 60/40 portfolio should NOT be relied upon.

The traditional 60/40 portfolio (60% stocks and 40% bonds) and the "4% Rule" can no longer be counted on for not outliving your money in retirement. You will learn precisely why the author and so many others believe this in this book - and how that can adversely affect your future.

In 2022 and beyond, retirees will need better income withdrawal and Required Minimum Distribution (RMD) strategies to survive and thrive in a 25-30+ year retirement.

Potential Solution: It was on Wednesday, February 3rd, 2021, when it all came together in my mind. A marriage of sorts. A relatively new type of accumulation annuity married with a smarter withdrawal strategy to outdo the "4% rule" or a typical 60%/40% portfolio.

Within days, I was outlining this book to share my breakthrough strategy.

The withdrawal strategy uses what I call "BUFFER ANNUITIES" that can radically improve the probability of retirement success of both the 60/40 portfolio and the suspect 4% rule. BUFFER ANNUITIES are my code name for a little-known tiny subset of fixed annuities and are a vital ingredient of this simple yet highly effective IRA withdrawal strategy.

These BUFFERS are a near-perfect bond alternative.

Portfolio 60/40 Headwinds: The 40-year bull market for bonds is apparently over (due to rising interest rates) and stocks are near historically high valuations - according to many on Wall Street. That includes mutual fund giant Vanguard.

You'll see their stock and bond market predictions for the next decade inside my book too. They send it only to financial advisors. Hint: Vanguard says that the returns over the next decade will not be NEARLY AS GOOD as the last.

Warren Buffet said this about bonds in 2021: "Bonds are not the place to be these days," the legendary investor wrote in Berkshire Hathaway's annual letter to shareholders, lamenting that the yield on 10-year Treasury bonds has fallen 94% since September 1981.

Dr. Wade Pfau, CFA, told Forbes in 2015: "bonds don't belong in a retirement portfolio." And that was when interest rates were higher than today

So, what is Wall Street's current collective advice for retirees? Buy more stocks instead of bonds. A 70/30 or an 80/20 portfolio?

But most retirees do not want more stock market risk. They don't want a repeat of 2008. If bonds are not the safe haven they are supposed to be, what do you do?

If you, too, are wary of bonds with their meager current interest rates, BUFFERS can easily provide 5%, 6%, 7%, or much higher average returns - with none of the risks inherent with bonds (credit risk, interest rate risk, inflation risk).

Hate paying fees for bond mutual funds or ETFs or to a financial advisor? If so, BUFFERS have no mandatory fees or expenses. Zero costs.

But most importantly, if you are looking for an almost fool-proof, 3-step income withdrawal or RMD system, this book is a must-read.

The bottom line. This book teaches a proven, common-sense withdrawal strategy for improving the likelihood that you will never run out of retirement money. And do so without the risks and fees associated with bond funds and bond ETFs.
FULLY UPDATED for 2022

FIA, index annuities, RMD, withdrawal strategies, bond alternatives]