Jan 14 – On this edition of Lifetime Income, Jim Puplava interviews Reshma Kapadia from Barron's about a strategy that may save you quite a headache in preparing for retirement. Reshma discusses under what circumstances draw-downs may not work and explains other pitfalls that tend to give annuities a bad name. She also explains how income payout annuities can protect against longevity and how you can make your own defined benefit pension plan to create an income stream for the rest of your life.