David Lau In the recent Barron's Advisor article “ How to Make Sure You Have Enough to Retire, No Matter What ,” a number of financial advisors provided advice on how to work with clients to prepare them for retirement. To no surprise, advisors recognize that many of their clients are “nervous about running out of money.” However, none talked about income-generating annuities—the one solution that ensures a client will have a stream of guaranteed income that will last their lifetime.