Are hidden fees quietly draining your retirement savings? In this episode, Richard Warner exposes the investment products that often underperform—like variable annuities, whole life insurance, and target date funds—and explains why some popular choices may be costing more than you realize. Learn how fees, lack of diversification, and misunderstood options can erode your nest egg, and discover smarter strategies for protecting your portfolio. If you’re unsure whether your investments are working for you or against you, this conversation shines a light on the traps and truths every retiree should know.

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