1. Increase their income, so they can do more of the things they love and enjoy, 2. Have it be guaranteed for life. 3. Donate more to their Congregation and favorite charities, 4. Be more tax efficient, especially if you are over age 70 ½. 5. Participate in market performance, subject to a cap, by trading some upside potential in exchange for partial downside protection through a buffer (e.g., 10%, 15%, or 25%) over a 1,3, or 6 year period (no explicit cost). 6. Have better asset balance with less risk and lower their investment expense fees. 7. Have a no charge death benefit. These people spend more, are happier and live better. Learn how to prudently rebalance your assets including IRA, 401k, 403 b plans, CD's and investments and how to use the same tools that smart and successful retirees use including: SPIA's, RILA's, and QCD's. This is a FREE class.