Do you find out that your monthly pay and/or pension payouts are not enough to reasonably sustain you? What about your monthly Social Security check? Do you notice that even with all the scrimping and saving you did as a young whipper snapper, you now spend beyond your means? If so, you are not alone. According to a survey conducted by Indexed Annuity Leadership Council, 25 percent of Americans are worried they will outlive their income. Perhaps, like many other people, you didn’t prepare for your golden years as well as you probably should have. Maybe you invested well, but then—right out of left field—you lost big in September, 2008, when the stock market crashed. Perhaps your nest egg was completely depleted or it took you up until now to recover . . . or maybe you haven’t recovered from the loss. The economy is constantly changing and the stock market is a total crapshoot; it’s not easy to keep up with the signs of the times. (It’s even more trying to keep up with the Jo...








