Skip to content
Federal Employee Advocates

Federal Employee Advocates

  • Home
  • Webinars
  • The Problem
  • The Solution
  • Case Studies
  • Retirement Fast Facts
  • Contact Us
  • The Value of a Guaranteed Lifetime Income
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    October 5, 2024
    One of the most crucial considerations when planning for retirement is ensuring you have a reliable income stream that will last as long as you do.  Guaranteed income, such as that provided by certain financial products, can offer a sense of Security in retirement. But why is this so important? Did you know that Americans who … Read more
  • Why the Wealthy Choose Annuities? 
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    September 25, 2024
    Annuities aren’t just for the “average” consumer.   They are products that can give nearly anyone, regardless of net worth, enhanced protection against the risks threatening to erode their wealth and peace of mind.  The guaranteed income generated by an annuity has value, regardless of how much money you make.   For investors involved in riskier ventures, … Read more
  • How Inflation Impacts Your Retirement Income
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    September 17, 2024
    Most Americans recognize the impact of inflation in the short term, like when they go to the grocery store or fill up their car. However, inflation is much more than just a temporary inconvenience. Increasing inflation affects long-term financial plans, especially in retirement. Over time, rising prices can seriously erode the value of your savings … Read more
  • What are QLACs? 
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    September 9, 2024
    Qualified Longevity Annuity Contracts (QLACs) have gained traction in retirement planning discussions due to their unique features and potential benefits. In this article, we’ll delve into what QLACs are, their advantages, how they differ from other annuities.   A QLAC is a type of deferred income annuity that lets individuals use their retirement savings, specifically from … Read more
  • The Difference Between GLWBs and LIBRs
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    September 3, 2024
    If you need a reliable source of income for retirement, annuities offer one of the safest, most efficient ways to create that income. However, because modern annuities include a myriad of customization options, navigating their features, such as income riders, can be daunting.   In this article, we’ll examine two of the most popular methods for … Read more
  • What is a “bucket strategy” and where does safe money fit in?
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    August 27, 2024
    Everyone has their own vision of what an ideal retirement looks like.  Some of us daydream about traveling the world.  Others vow to learn a language, get a degree, or pursue hobbies we never had enough time for when we were working. However, retirement also may involve a crucial psychological adjustment as you shift from … Read more
  • Fixed Indexed Annuities 101 
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    August 20, 2024
    Introduction  Fixed indexed annuities (FIAs) have become a popular option for people looking to balance growth potential with protection from market risk. But what exactly are FIAs, and how do they differ from other annuities? In this article, we’ll explore how they work, their key features, and what makes them unique compared to different kinds … Read more
  • Who should and should not buy an annuity?
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    August 14, 2024
    The confusing, hype-laden manner in which annuities are marketed and sold is one of the main reasons people dismiss them as viable retirement assets.  There are tons of annuity products available, and new ones are introduced almost daily.   Each “new and improved” annuity typically has at least one or two unique features to distinguish … Read more
  • The Difference Between a Pension and an Annuity.
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    August 8, 2024
    Pensions and annuities are two popular retirement income sources, but they operate differently and have distinct features. Let’s explore what sets these two income streams apart and how to decide which might be the right fit for your needs. What is a Pension? A pension is a retirement plan offered and managed by an employer, … Read more
  • What Is Annuitization?
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    July 30, 2024
    Retirement planning involves an almost overwhelming number of decisions, including choosing the correct mix of products and strategies to help you achieve your financial objectives. One potential approach to income planning for retirement is annuitization. Annuitization enables a retiree to add a reliable stream of income in retirement via an annuity contract. Annuitization offers long-term … Read more
  • Should you build an annuity ladder?
    by Vincent J. Bono, J.D. – Federal Employee Advocates
    July 18, 2024
    Annuity laddering can be a smart way to optimize your retirement income. It is a strategic approach to purchasing annuities. Laddering allows you to spread out your potential risk, diversify income streams, and better adapt to changing financial conditions.  You may have encountered the concept of laddering as it relates to bonds or certificates of … Read more
© 2003-2025 Federal Employee Advocates
Privacy Policy | Terms of Use

In order to maintain our objectivity, we are not a government contractor,
nor are we affiliated with the federal government or any federal agency