In this unfiltered reality check, Shawn Plummer from The Annuity Expert breaks down exactly why a Guaranteed Lifetime Withdrawal Benefit (GLWB) is mathematically superior to traditional advisor-managed income! The short answer? A GLWB pays out significantly more money and removes all of the market risk.

Shawn breaks down the math: Under a traditional advisor-managed portfolio using the 4% rule, a $1,000,000 nest egg generates roughly $40,000 a year, while you continue to pay management fees in both good and bad markets. However, by rolling that same $1,000,000 into a Fixed Index Annuity with a GLWB, you can legally guarantee an annual payout of $70,000 to over $100,000 for the rest of your life—even if the account balance drops to zero!

Shawn also drops a massive industry warning: Do not let an advisor charge you an ongoing 1% AUM (As ...