How Annuities Can Help You Retire Early and Delay Social Security

Waiting until 70 to claim Social Security benefits can pay off, so how do you bridge the gap between giving up your paycheck and filing for benefits?

A happy retired couple dance in their living room.
(Image credit: Getty Images)

All good financial professionals believe in the value of what they’re selling, whether it’s financial planning, mutual funds or managed accounts. Having sold annuities via my firm’s website for 25 years, I firmly believe well-chosen annuities are a superb tool for saving for retirement and generating guaranteed retirement income.

But belief alone doesn’t mean much unless it is based on facts and analysis. Over the years, several in-depth studies by academics have made strong cases for the value of annuities.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Ken Nuss
CEO / Founder, AnnuityAdvantage

Retirement-income expert Ken Nuss is the founder and CEO of AnnuityAdvantage, a leading online provider of fixed-rate, fixed-indexed and immediate-income annuities. Interest rates from dozens of insurers are constantly updated on its website. He launched the AnnuityAdvantage website in 1999 to help people looking for their best options in principal-protected annuities. More information is available from the Medford, Oregon, based company at or (800) 239-0356.