Are annuities the safe retirement solution they’re sold as — or a financial trap in disguise? Lance Roberts & Jonathan Penn unpack the good, the bad, and the ugly sides of annuities.  10:03 - Kitchen Sets & Intramural Flag Football 14:52 - Annuities - Good, Bad, & Ugly 18:08 - What is an Annuity? 20:16 - Different Flavors of Annuities 22:07 - The Ugly Truth About Early Surrender Fees 27:29 - Why Might You Need an Annuity? 31:20 - Three Reasons You'd Need an Annuity 34:36 - Annuities Should Be Planned, not Sold 38:14 - Why Buy an Annuity Instead of Investing in the Market? 41:00 - One More Reason... 43:25 - Are There Inflation-adjusted Annuities? 47:05 - Are Annuities Divorce-proof? 48:59 - Lance's Marriage Advice 49:52 - Tax Deferral Options 51:59 - More Marriage Advice - His & Her Money   Whether you’re considering a fixed, variable, or indexed annuity, this episode will help you separate sales pitch from sound strategy — so you can decide if annuities deserve a place in your portfolio. 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP  Produced by Brent Clanton, Executive Producer ------- The latest installment of our new feature, Before the Bell, "Will the Rally Hold—or Fold?” is here:  http://bit.ly/3JaD7JN  ------- Our Previous Show, "Markets vs Reality: Daniel LaCalle on the Coming Global Reset" is here: https://youtube.com/live/AUEW3etNHSw ------- Get more info & commentary:  https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #PreMarketUpdate #TechnicalAnalysis #InvestingStrategy #MarketCorrection #AnnuitiesExplained #RetirementPlanning #InvestmentStrategy #FinancialEducation #PassiveIncome