In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most misunderstood tools in retirement planning: annuities. From fixed to indexed to variable annuities, they walk through what each type does, how they work, and where they might fit in a retirement strategy. If you’ve ever wondered whether an annuity is right for you—or if the bad press is warranted—this episode brings clarity and balance to the conversation.



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00:00  Intro: The Annuity Debate

01:42  What Is an Annuity, Really?

03:28  The Insurance Component Explained

06:17  Why Annuities Are Misunderstood

08:55  Fixed Annuities vs. CDs: Pros and Cons

10:40  Fixed Indexed Annuities: How They Work

13:50  The Role of Riders and Guarantees

17:08  Annuity Fees and Liquidity Trade-offs

20:25  When an Annuity Might Make Sense

22:41  Case Study: A Real-Life Example

26:00  Is an Annuity Right for You?

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