Regular readers of mine know that I am anti-Variable Annuity, one of my first articles on my main site JoeTaxpayer.com was titled “Variable Annuities are sold, not bought”. More recently, I quoted Suze Orman, who “hate[s] them with a passion”. That blog post received much response from readers challenging me to be more open minded. So I invited those readers to offer me a VA that they felt was worth a fresh look. In my August feature article titled “Another Look at Variable Annuities”, I analyzed the Fidelity Growth & Guaranteed Income Annuity. It’s a piece worth reading and as always, I invite any comment. In it, I conclude that the product doesn’t achieve what the typical buyer is seeking, inflation protected growth. I was challenged to suggest an alternate solution and in this month’s feature article, “Creating an Inflation-Adjusted Immediate Annuity”, I offer a strategy to create an inflation-adjusted stream of income from the purchase of a series of standard (non-adjusted) annuities. This is a strategy I am proud to present as I’ve not seen such a strategy presented elsewhere, and it offers both a high starting withdrawal rate (5%) along with conservative assumptions (4% inflation factor, yet just 3% return on savings). Please read it and share your thoughts.