Research Backed Approach to an Optimal Retirement Strategy

Many people planning for retirement, whether on their own, or with an advisor, rely entirely on market investments. But Ernst & Young research shows that integrating cash value life insurance, retirement income from annuities, or both — produced better outcomes than an investment-only approach (such as just using a 401k, IRA, etc.) across every starting age tested. This short breaks down what the data actually says about building an optimal retirement strategy — including how to address sequence of returns risk and the #1 fear most people have heading into retirement: outliving their money. Want a look at an integrated approach to your plan? Book a free strategy call: calendly.com/gspencer-americanpension-retirement Full EY research: ey.com/en_us/insights/insurance/how-life-insurers-can-provide-differentiated-retirement-benefits #RetirementPlanning #FixedIndexAnnuity #CashValueLifeInsurance #SequenceOfReturnsRisk #RetirementIncome #FinancialPlanning #Annuities #IUL #FIA #NeverRunOutOfMoney This video is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Individual results will vary. Consult a licensed financial professional before making any retirement planning decisions. Ernst & Young research referenced is sourced from publicly available materials.

Added 2 Jun 2026