# Retirement experts say flexibility may offer better long-term security than locking into a guaranteed income for life. PSG Wealth’s Elke Brink says a well-diversified living annuity, supported by a cash buffer, allows retirees to remain invested while meeting short-term income needs. She says this approach can help portfolios outpace inflation, preserve capital for beneficiaries, and adapt to changing financial circumstances. Brink adds that guaranteed annuities suit some retirees, but flexibility is often more valuable in an uncertain economic environment.
Expert urges flexibility in retirement planning