financial decisions. and according to fidelity investment, 75% of pre-retirees do not have a formal retirement plan in place now to fill in the gaps, firms such as fidelity are in creefslincreasingly look beyd the normal. the reason, as this chart illustrate over the years, income annuities can deliver higher payouts than other investments because addition to distributing interest in premiums, insurance companies pay mortality credits. subsidizing those who living longer with those who die younger. we asked two retirement planning pros to join us. kimberly lankford is a column niflcolumnist for kiplin. and how you can saveÑi money on insurance and stillÑi get the coverage you need. and christopher blunt is executive vice president at new york life, wdoverseesncoi investment annuities, and mutual funds. chris is here on his own merit. i began by asking them for advice on handling the risk of running out of monekis to lookçóÑi atçóçó yourx flow through retirement. andçó look atÑi what your expenses are, andçó you need to focus on the difference between those two, and how year going to fill in those gaps, and