The Index Annuity - Retirement Income Plus Control
Unless you found your perfect job the day you walked out of college, chances are you will have more than one job in your lifetime.
This is by far the most preferred method than having an old employer keep the funds. Nevertheless, you could just go for a single option each year. If you're retired, you have some retirement income from Social Security, pension, and/or savings but, perhaps, not quite enough to spend for things to enjoy.

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