 Business owners, some of you have worked 20 and even 30 years to build your business. You're ready to sell this asset and go into retirement. But you don't want to risk or lose any of your hard-earned money. Property owners, have you just sold your property and need to turn that money into lifetime income? How about 401 participants? Have you recently changed jobs or have you reached age 59 and a half and have a retirement account you don't want to see exposed to market losses?