# Fidelity Annuities vs Atlas Annuity Strategy: Save $133K on Guaranteed Retirement Income

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Text version: https://stenobird.com/podcast/the-atlas-annuity-podcast-6714817/fidelity-annuities-vs-atlas-annuity-strategy-save-133k-on-guaranteed-retirement-income.md
Podcast: [The Atlas Annuity Podcast](https://stenobird.com/podcast/the-atlas-annuity-podcast-6714817)
Published: 2025-12-18T19:41:19+00:00
Episode link: https://atlas-annuity-podcast.castos.com/episodes/fidelity-annuities-vs-atlas-annuity-strategy-save-133k-on-guaranteed-retirement-income
Audio file: https://episodes.castos.com/65414647b3ef84-60916656/2295408/c1e-r5pgmswgxnpu2kwo3-1p76kk4zs88p-qsaqw3.mp3
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Duration seconds: 980

## Resource

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.

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## Transcript

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