When it comes time to solidify the amount of income you’ll have in retirement, it is best to do some research and approach the problem from as many angles as possible.  It’s never a good idea to approach that long-awaited day with excess market exposure.  We’ve all seen that happen in the past.

Now, many people who thought they would retire comfortably will need to take less income or keep working.  Is there a way to guarantee a stream of income throughout retirement?  The answer is yes, but strategies for maximizing the amount of income will vary.