Retirement planning is filled with tough choices, and Social Security and annuities often top the list. In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into the complexities of Social Security timing and the misunderstood world of annuities.

They unpack the pros and cons of different types of annuities, from fixed to indexed, and explain why these tools are not inherently good or bad—they just need to fit the plan.

You’ll also hear real-life stories, relatable analogies, and a dose of humor along the way.

If you’ve ever wondered when to take Social Security or whether an annuity makes sense for your retirement, this conversation offers clarity without the jargon.

📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with an FSR advisor.