alternativesannuitiesbackbearbondbondscarechangesconversionsdiversifieddownturneconomicendfundsgapgoodguidehistoricimportanceincomeinflationinsuranceinvestinginvestmentinvestorsiraknowlifelongmakingmarketmarketsmoneyneedplanplanningratesreadyrecessionresultsretireretirementrothsecuritysocialstatisticsstepsstockstocksstrategiesstrategystructuredtaxtaxestermtimevolatilitywillwithdrawalyear