accountandyannuitiesannuityavoidingbenefitsbeyondbigbonuscaveatscfacfpcognitivecommoncomputationconsconsidercontributecontributioncontributionsdeductibledistributiondistributionseligibleemployeeemployeesemployerestatefederalfersfinancialfitframeworkfreefundhealthincomeinsuranceinterestinvestmentiraissuesjameslifelivingmakemarketmedicaremistakesmuchneednumberspankopenaltypensionperspectivephdplanplanningplansprosratesrealrothrulesecuritysensesepsocialspousestacystatestrategysystemtakekawatalkingtaxtaxationtaxestraditionalunderstandingupdatewill