A lot of conversations here focus on accumulation, but I think the decumulation phase deserves just as much attention. One area that often gets brushed aside is guaranteed income. Fixed annuities can act as an income anchor in retirement, especially for people who want less dependence on sequence of returns risk. The appeal for me is knowing a portion of expenses is covered regardless of market cycles, which can reduce pressure on the rest of a portfolio to perform perfectly. Used thoughtfully, something like Gainbridge can help carve out a predictable base while still leaving room for growth assets. Curious how others here think about guaranteed income when mapping out FI plans.