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A deferred annuity’s primary advantage is tax deferral, which an IRA already offers.

If she purchased a deferred annuity, though, she has more options.

Your wife won’t face taxes if she switches from a deferred annuity to a CD, since changing investments within an IRA isn’t considered a taxable event.

Reader is thinking about buying a three-year deferred annuity; expensive home would give owner leeway in a reverse mortgage.

Even a well-caffeinated person with an advanced degree in math would have a hard time deciphering a 53-page contract called “Your Flexible Premium Indexed and Declared Interest Deferred Annuity Policy.”