Fixed vs. fixed indexed annuities—crediting (caps/spreads/participation) basics

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SPIA vs. DIA—income timing, longevity hedge framing, and payout math

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Income riders (GLWB/GMWB): fees, rollups, deferrals, and consumer expectations

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CA suitability, replacements, free-look, surrender schedules, and §1035 overview

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Building an income floor and coordinating with Social Security timing (overview)

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