Running out of money in retirement is the No. 1 fear of Americans. Only 20 percent of people are worried about dying, but 58 percent fear not having enough income in retirement. While there is no easy fix to address a person's deepest fears, often having a plan in place-a written plan that addresses the specific causes of your fears or anxieties-will help alleviate the fears of the unknown or unpredictable by making them known and predictable. This guide will provide you with the strategies to help you build lifetime income, protect yourself from financial risks and ensure you have an income strategy designed for your specific needs. Artie Bernaducci has been helping people understand financial "gobbledygook" and take control of their financial lives since 1991. He became an Investment Advisor Representative in 2002 and later co-founded Retirement Income Advisory Group, LLC, with Denny Frasiolas. Denny has been the Managing Member and Investment Advisor Representative at the firm since 2018. He became a financial professional in 2001. He focuses on educating clients about retirement income planning and investment management services.