In this short monograph, the author makes the economic-financial “case” for using annuities while accumulating wealth before retirement, as well as for those who exhaust their savings during retirement. He discusses the different categories of annuities, why they constitute an important component of a well-balanced portfolio, and addresses some of the historical concerns or objections to them. The unique narrative and structure of an affidavit offers a dispassionate, scientific and academic perspective on what is often perceived as a complex and controversial topic.

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