In this episode we delve into IBM's innovative approach to 401Ks and the challenges of securing reliable income streams in retirement. Morningstar's John Rickenbaugh breaks down IBM's groundbreaking retirement benefit account, offering insights into its guaranteed rate of return and how it differs from traditional 401Ks. Kevin explores the importance of guaranteed income in retirement planning and discuss strategies to mitigate financial risks, including long-term care and disability. Discover how IBM's strategy aligns with the quest for financial security in retirement and learn actionable insights to enhance your retirement plan.  Call Kevin today for your 401K X-Ray! See omnystudio.com/listener for privacy information.

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