More than 30 years ago, conservative financial investment options such as certificate of deposit, government bonds, fixed annuities, and insured municipal bonds were extremely popular with retirees and those approaching retirement. Since the last bull market of the ‘80s and ‘90s, however, when investors became addicted to the stock market, these investments have been labeled as “dull”, “boring”, or “old-fashioned.” As a result, most investors today have, at best, a basic understanding of these investment strategies without any real-world experience. An experienced advisor who specializes in these income-generating investments can guide you through an educational process to help you understand the pros and cons, risks, and expected returns of each investment vehicle and how they may or may not fit in with your personal situation and objectives.