Running out of money is still one of the greatest fears people have at they deal with retirement. With the average life expectancy going up to 78 years old in the United States, we are seeing many retirees having to go back to work now as their hard earned savings and low interest bearing money market accounts are not enough to help them maintain their standard of living. What’s interesting is that the people who have held positions that give them a stable pension today seem to be very happy knowing the check is in the mail. The people who worked for corporations for many years without the security of a pension, but had lump sum monies from stock and 401(k) plans are the ones who are sweating bullets today. In the media, the word of annuities has largely been a voodoo term.  The pundits on television like Suze Orman have been naysayers of these types of vehicles because of ...