James W. Watkins, III, J.D., CFP EmeritusTM, AWMA®InvestSense, LLC This post provides a fiduciary prudence analysis comparing a $100,000 non-SPIA immediate annuity paying 7% annually to a rolling / laddered 10-year U.S. Treasury note strategy yielding 4%, evaluated through terminal … Continue reading When Income Is Not Enough: Why the Continued Inclusion of In-Plan Annuities May Breach ERISA Duties When Compared to Capital-Preserving Income Alternatives and Strategies