The first rule of retirement income planning is: Never to run out of money. The second rule is: Never forget the first rule.In this book, you'll learn how you can utilize the many financial products available to reduce your risk, the different approaches you can take as you create your retirement plan, and the intentional strategies that will help you live the life you spent your career aspiring toward.In this book you will learn: -How risk-pooling through insurance works-Why risk pooling is a source of additional spending that is competitive with potential stock market returns-How commercial annuities provide this risk pooling in the same manner as Social Security or traditional company pensions-How replacing some bonds with insurance-based risk pooling assets can improve the odds for retirees to meeting their spending goal and to support more legacy at the end of life