The SECURE 2.0 Act provides incentives for deferred annuities called Qualified Longevity Annuity Contracts, or QLACs. Deferred annuities provide guaranteed income in the later years of retirement. Are they right for your retirement plan?

This book, Savvy Saver’s Guide to Deferred Annuities: Hidden Costs and Alternatives You Didn’t Know You Had, addresses these issues and more. Topics include:


      • How deferred-income annuities (DIAs) and QLACs fill a potential retirement need

      • The advantages–and drawbacks–of DIAs and QLACs

      • The tax time bomb hidden within the tax “advantages” of QLACs

      • The Hidden Costs of DIAs and QLACs – including the Biggest Cost

      • Alternatives, including the inflation-protected DIA you didn’t even know you had

    Daniel McDonald, author of the award-winning retirement financial planning book From Savvy Saver to Smart Spender: How to Pick a Tax-Wise Retirement Withdrawal Strategy (available at and other online book retailers), once again provides his independent insights as a new semi-retiree grappling with these same questions.

    Savvy Saver’s Guide to Deferred Annuities will help you decide whether investing your hard-earned retirement savings in deferred annuities will help you to live the worry-free retirement you’ve always dreamed of.

    Available from preorder (ebook) now and in paperback and ebook at May 20, 2024.

    Get it here.

    Disclaimers apply.

    Table of contents of book on deferred annuities