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In other words, how much money will it take right now to have the income you desire today or down the road? Your Guide to Open Enrollment 2023 Employee Benefits Health care costs continue to climb, but subsidies will make some plans more affordable. We simply try to make the best match for both the person and the animal. Both can work, and my thought on this matter is that a combination of both is probably best and should be customized to fit your specific situation. The contractually guaranteed crowd wants their income floor to never fall below a specific level, and is typically adverse to market volatility. You need a solid income base to build on and to hopefully add to those guaranteed amounts. That's when the adviser argument really starts with the systematic withdrawal groupies attacking the contractual guaranteed cult. Just like you cold weather people (I'm in Florida) stack wood for the winter, income stacking should be looked at the same way.
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