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If you've saved over $1 million dollars for retirement and are considering an annuity, this will be the most important message of the rest of your life. This is why: By far, annuities are among the most powerful tools you have for retirement income. But as powerful as they are, for some reason it feels like there are tons of people saying bad things about them. How can they be one of the most chosen of all financial tools ever, but also spoken so poorly about by those who don’t know any better?