Before you put any money into an annuity, it's important to do the math to determine how much income you need in retirement. Getty Images

The retirement landscape is shifting yet again. Interest rates, while down from their recent highs, are still elevated, resulting in some of the best annuity payouts we've seen recently. At the same time, inflation remains sticky , markets are bouncing between optimism and uncertainty and many retirees are wondering how to lock in a dependable income stream before conditions change. That, in turn, makes today's economic landscape a good one for weighing a move into annuities , which are unique retirement tools that offer reliable, consistent income for life.

Adding to the urgency is the fact that many analysts expect the Federal Reserve

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