In this episode, we cut through the confusion and take a deep dive into what annuities actually are, how they work, who they help, and who they don’t. You’ll learn:

✅ The 2 phases of an annuity (and why one is usually optional)

✅ The difference between fixed, indexed, variable, immediate, and deferred annuities

✅ How Guaranteed Lifetime Withdrawal Benefits (GLWBs) can offer lifetime income without giving up control

✅ The biggest myths about annuities—and the facts most people never hear

✅ Every major downside, including surrender charges, fees, and liquidity traps

✅ Who should never buy an annuity (and what to do instead)

✅ How to avoid common sales traps by knowing the right questions to ask

If you’ve ever wondered whether an annuity belongs in your retirement plan—o ...