Episode
Fidelity Annuities vs Atlas Annuity Strategy: Save $133K on Guaranteed Retirement Income
- Podcast
- The Atlas Annuity Podcast
- Published
- Dec 18, 2025
- Duration seconds
- 980
- Processing state
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Summary
In this episode, Marty Becker walks through a real retirement income case study involving a married couple who recently met with an advisor at Fidelity. The couple is fully retiring within the next year and needs $10,000 per month in guaranteed income on top of Social Security. Marty breaks down their current portfolio, explains why a 70/30 stock-to-bond mix and a 4% withdrawal rate can create long-term risk, and shows how sequence of returns can impact retirement outcomes—especially when one spouse is much younger. The episode compares a traditional single premium immediate annuity recommendation with a more advanced strategy using multiple annuities. Marty explains how both approaches provide the same lifetime income guarantees, but how a multi-annuity strategy can reduce the amount of capital required while improving income reliability, lowering withdrawal rates, and increasing discretionary assets. You’ll also learn: Why worst-case and best-case scenarios matter in retirement planning How guaranteed income changes withdrawal rates and income reliability The pros and cons of simplicity versus efficiency in annuity strategies When a multi-annuity approach works best, and who it may not be right for This episode is ideal for retirees or near-retirees who are evaluating annuity recommendations from large firms like Fidelity and want to understand if there is a smarter, more efficient way to generate lifetime income. To learn more about annuities and see if a strategy like this fits your situation, visit atlasannuity.com to watch the “20% More Spendable Income in Retirement” video series or schedule a short Zoom call to get your questions answered.