Retirement jar (Photo: Shutterstock)

As an advisor, you have many tools in your toolbox to help guide your clients through their retirement planning process while diversifying their portfolios. However, there may be one tool that is currently underutilized – the fixed annuity. Similar to a bond or CD, fixed annuities are considered safe money products, with added benefits that could make them an alternative choice. Fixed annuities can be especially useful to those who will be retiring in the near future and have a lot they want to see, do and accomplish in those first few years of retirement.

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