Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Skylar Clarine is a fact-checker and expert in personal finance ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Toby Walters is a financial writer, investor, and lifelong learner. He has a passion for ...

Retirement annuities guarantee income but have high fees and complexities. Annuities offer tax-deferred growth; income options include lifetime or fixed-term payouts. Alternatives like Social Security ...