In this completely transparent reality check, Shawn Plummer from The Annuity Expert pulls back the curtain on why performance-based income riders are a massive gamble for your future retirement foundation. The short answer? They take all control out of your hands, leaving your retirement paycheck completely at the mercy of the insurance company and volatile, engineered indexes.

Shawn breaks down the critical difference between performance-based riders and Contractually Guaranteed Income Riders (known technically as a Guaranteed Lifetime Withdrawal Benefit or GLWB). He explains how companies like Allianz illustrate amazing non-guaranteed returns based on the last 10 to 15 years—years that happen to be some of the absolute best in U.S. stock market history. But what happens if the next decade isn't a record-breaking bull market? Shawn shows y ...