Higher yields shake up retirement planning big time! They impact annuities, long-term-care insurance, and Social Security decisions. With higher yields, annuity payouts shoot up, making them a hot pick for retirees seeking steady income. But watch out for losing easy access to cash and the sneaky inflation risk. Long-term-care insurance costs might spike for traditional policies, while hybrids could get a boost from rising rates. And guess what? Delaying Social Security still wins the game, even with higher yields in the mix. It could be a smart move, especially if you’re looking at a longer life or have a younger partner.