By 2012, nearly $7 trillion of retirement plan assets will be rolled into individual retirement accounts (IRAs). Indeed, for most, the IRA will be their primary source of income during retirement. With the demise of traditional defined-benefit pension plans and the future of Social Security in doubt, more retirees have to create their own guaranteed sources of income. As a result, investors may look to annuity features designed to help protect retirement assets and facilitate income
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