Is a GLWB Better Than Advisor-Managed Retirement Income?
From Retire For Less With The Annuity Expert by Shawn Plummer
May 26, 2026 · 5 min
About this episode
Shawn Plummer discusses the advantages of Guaranteed Lifetime Withdrawal Benefits over traditional advisor-managed retirement income.
In this unfiltered reality check, Shawn Plummer from The Annuity Expert breaks down exactly why a Guaranteed Lifetime Withdrawal Benefit (GLWB) is mathematically superior to traditional advisor-managed income! The short answer? A GLWB pays out significantly more money and removes all of the market risk. Shawn breaks down the math: Under a traditional advisor-managed portfolio using the 4% rule, a $1,000,000 nest egg generates roughly $40,000 a year, while you continue to pay management fees in both good and bad markets. However, by rolling that same $1,000,000 into a Fixed Index Annuity with a GLWB, you can legally guarantee an annual payout of $70,000 to over $100,000 for the rest of your life—even if the account balance drops to zero! Shawn also drops a massive industry warning: Do not let an advisor charge you an ongoing 1% AUM (Assets Under Management) fee to "manage" an annuity! Fixed Index Annuities do not lose money to the stock market and take roughly 20 minutes a year to update. Keep your market money with an advisor, but use an independent brokerage to secure your guaranteed income! 👉 Read our complete guide comparing the best ways to withdraw retirement funds right…
People in this episode
Host: Shawn Plummer
Topics covered
- retirement income
- financial planning
- annuity benefits
- market risk
- advisor fees
Keywords
- GLWB
- retirement income
- Fixed Index Annuity
- advisor-managed portfolio
- 4% rule
- market risk
- management fees
Mentioned in this episode
Organizations: The Annuity Expert
Products: Guaranteed Lifetime Withdrawal Benefit (GLWB), Fixed Index Annuity
Places: United States
More episodes of Retire For Less With The Annuity Expert
- Can a MYGA Be Used If I Fear Bank Failures? · June 8, 2026 · 7 min
- Why Performance Based Income Riders on Annuities Fail? · June 2, 2026 · 8 min
- Can Online Annuity Calculators Be Trusted? · May 29, 2026 · 8 min
- Can I Use a MYGA if I Want Annual Liquidity? · May 26, 2026 · 6 min
- Should I Buy an Annuity If I Do Not Expect to Live Long? · May 26, 2026 · 7 min
- How To Save Money On Life Insurance When You Use Tobacco Products · May 26, 2026 · 5 min
Explore listener stats, chart rankings, contacts and more on the Retire For Less With The Annuity Expert podcast page.