Gary discusses the topic of fees charged by financial advisors and what he considers to be too high He highlights the importance of transparency in fees and warns about hidden fees that some advisors may not reveal.

Gary further delves into the topic of fees associated with annuities and the different types of riders that can affect the cost. Gary emphasizes the need for clients to be aware of what they are paying for and discusses the value of personalized attention and tailored financial advice that a financial advisor can provide.

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