Safety MATTERS in retirement. Going backward due to a market crash is a foolish financial blunder that we ALL want to avoid! A big setback results not only in the loss of money but the loss of precious TIME. You can make money back, but you can't make back the time you lose. Those who retired in 2007 discovered in 2008 that ten years of stock market gains can be wiped out in just ten WEEKS of stock market losses. One day, every market reverses. However, those who keep the predominant portion of their money out of harm’s way—safely protected-- need not worry about devastating their life savings. Over 200 billion dollars a year go into annuities, with much of it being used in IRA rollovers from company plans. The regulatory environment for annuities has never been tighter and more stringent. We'll review that today and then estate planning attorney Libby Banks joins us for the Q & A. You don't want to miss today's show MASTERING MONEY is on the air!