When it comes to adding annuities to your retirement portfolio, there’s no one-size-fits-all answer. Make a plan to see the different ways they might be a good fit. When Jeannette Bajalia retired at 55 from an executive job at a major health insurer, she looked at her finances and asked: “Do I have enough to get to 105?” The underlying question — will I outlive my assets? — is a common fear among retirees, and with good reason. The Center for Retirement Research at Boston College says that longevity is the biggest risk retirees face. In Bajalia’s case, seeking answers to shape her retirement led her to embark on a second career in wealth management helping individuals and couples plan for their future. Now 69, as president of the wealth management firm Petros Financial Group in Jacksonville, Florida, she creates defensive retirement plans that typically include annuities. “The plan will tell what you need, whether it’s one annuity, two annuities or more, or none,” Bajalia says. “We don’t just put clients in annuities and say you’re on your own.”