If you’re like most investors, you can’t help but feel a sense of uncertainty and concern when you think about the future:

“Will the money I invest be there when I need it most?”

“Will my retirement income last for as long as I live?”

After all, a great deal can happen in the years ahead that you cannot predict or control. Like everyone else, you don’t know how the financial markets will perform…whether you’ll really be able to retire when you plan to…how much prices will rise…or how long you’ll live. And all these concerns may have a major impact on your future finances and the quality of your retirement years.