Industry experts agree there’s no perfect time to buy an annuity — the decision depends more on a client’s goals and financial situation than on market timing. In a recent discussion, Winnie Sun (Sun Group Wealth Partners), Russ Hill (Halbert Hargrove), Tim Rembowski (DPL Financial Partners), and Wade Pfau (The American College of Financial Services) highlighted how annuities can efficiently generate retirement income, particularly for clients without pensions.

“Annuities are not trading opportunities. There is no good or bad time to buy one,” noted Michael Zmistowski (Financial Planning Advisors). While low interest rates can reduce fixed annuity payouts, delaying may backfire — mortality credits mean that waiting often leads to lower lifetime income.

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