One thing we are doing now is planning for our retirement years. We are thinking of things such as where we want to retire and what do we want to do with our retirement. One thing we cannot ignore in our retirement planning, is how are we going to pay for our retirement. How much we need for our expenses, travel and to pay our bills. That is why we are thinking of starting fixed annuity. An annuity can supplement other retirement moneys we will receive, such as my husband’s retirement pension and any social security payments we may receive.