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While my endorsements of IPS are all over this forum, I have not purchased their annuity system. I would be mostly curious as to how they structure their workshop PowerPoint. I think it's titled "5 Challenges In Retirement" or something like that. I do know that Lew isn't exactly a fan of today's living benefit riders: ProducersWeb - Annuities - The truth about fixed indexed annuity income benefit riders If you haven't already called them to talk to them about your situation, call them. 877-297-4608.