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3 Guaranteed Lifetime Income

In this episode of Vivatude, host Kate Phillips welcomes financial expert Scott McRae of The McRae Agency for an in-depth conversation about guaranteed lifetime income and how to create more certainty in an unpredictable financial world. Women over 40—especially those caring for aging parents—often face heightened financial pressure, market volatility, and declining interest rates. Scott explains how shifting from guesswork to guarantees can help protect income, reduce stress, and support long-term financial stability. Kate and Scott explore why annuities can provide significantly more income than traditional bank CDs, particularly as interest rates fall. They discuss how age actually becomes an advantage with annuities, allowing individuals and couples to increase guaranteed retirement income for both spouses. The conversation also breaks down indexed annuities, participation rates, and the now-famous metaphor of the “casino where you can’t lose money”—illustrating how it’s possible to participate in market growth without risking principal, especially during the critical retirement red zone. This episode also highlights why life insurance companies can offer guarantees Wall Street cannot, and how putting all financial professionals—CPAs, attorneys, and advisors—on one coordinated team leads to better outcomes. Scott shares how viewers can access powerful financial planning software and receive a personalized financial forecast to see exactly how long their money can last—on a guaranteed basis. If your biggest fear is running out of money while caring for loved ones and planning your future, this Vivatude conversation offers clarity, confidence, and actionable solutions. Chapters: 00:00 – More Guarantees, Less Guesswork in Retirement Why guaranteed lifetime income matters for women over 40 and caregivers 00:35 – Guaranteed Income vs Bank CDs and Treasury Bonds How annuities can pay more as interest rates fall 01:17 – Why Insurance Companies Can Offer Higher Guaranteed Income Understanding risk pooling and long-term guarantees 02:45 – Age Is a Benefit With Annuities How older investors can receive higher lifetime income 03:30 – Increasing Retirement Income for Both Spouses Joint lifetime income and legacy protection for families 04:19 – You Don’t Give Up Control of Your Money Modern annuities explained: income, liquidity, and flexibility 05:15 – Indexed Annuities: Income Plus Growth Potential Participating in market gains without market losses 06:20 – The “Casino Where You Can’t Lose Money” Metaphor How participation rates protect your principal 09:07 – Protecting Your Portfolio in the Retirement Red Zone Why avoiding losses matters most before and after retirement 10:54 – Life Insurance Companies Offer Guarantees Wall Street Can’t The difference between investments and contracts 11:21 – Put All Your Financial Professionals on One Team Why coordination beats competing advisors 13:00 – Never Run Out of Money With Guaranteed Lifetime Income How annuities protect against outliving your savings 17:05 – Create a Financial Forecast With Scott McRae How personalized planning software reveals your guaranteed future 🔶 WATCH MORE EPISODES ✅ Part 1: Financial Concerns and Strategies for Caregivers 👉This Video Link:    • 1 Financial Concerns and Strategies for Ca...   ✅ Part 2: How to Pay for Long-Term Care (Creative solutions!) 👉This Video Link:    • 2 How to Pay for Long-Term Care (Creative ...   ✨ Create a Financial Forecast with Scott McRae ·       The McRae Agency: https://mcraeagency.net/ ·       Schedule a no-cost, no-obligation consultation with Scott: ·       [email protected] ·       Or call (501) 291-0025   ✨ Connect with Kate Phillips 💠 Download Kate’s 22-page guide, “Break Through to Abundance: 4 Reasons You’re Stressing Over Money (and how to break the cycle forever!)” at 👉 https://katesgift.gr8.com/ 💠 YouTube 👉    / @totalwealth   💠 Website 👉 https://www.totalwealthcoaching.com/ 💠 Facebook 👉   / thekatephillips   💠 Instagram 👉   / totalwealth.kate   ✨ Connect with Vivatude 💠 Facebook 👉   / vivatudeofficial   💠 Vivatude Podcast Playlist 👉    • Vivatude   💠 Meet Our Hosts 👉    • Meet Our Hosts     #Vivatude #GuaranteedLifetimeIncome #WomenAndMoney #FinancialWellness #RetirementIncome #CaregiverSupport #SandwichGeneration #AnnuitiesExplained #IndexedAnnuities #FinancialSecurity #WomenOver40 #RetirementPlanning #IncomeYouCantOutlive