Fear of running out of money in retirement is the number one financial concern for most Americans – and for good reason. As lifespans extend and traditional retirement vehicles prove increasingly vulnerable to market volatility, the search for guaranteed lifetime income has never been more crucial.

In this eye-opening conversation with Sheryl Moore, the nation's foremost annuity expert and founder of Wink market research firm, we explore the frequently misunderstood world of fixed index annuities and why they deserve serious consideration in your retirement strategy. Sheryl shares her personal journey from struggling single mother to industry authority, including how watching her 401(k) become a "201(k)" during the dot-com crash led her to discover the protective benefits of indexed annuities before age 30.

We methodically dismantle the most persistent myths surrounding annuities: that insurance companies keep your money when you die (they don't), that they're loaded with hidden fees (most fixed index annuities have none), that your money is permanently locked away (most offer 10% annual penalty-free withdrawals), and that you miss out on market dividends (a worthwhile trade-off for downside protection).

The conversation takes a compelling turn when addressing longevity risk – with experts suggesting the first person to live to 150 may already exist, and with American centenarians outnumbering those in any other nation, the mathematical certainty of traditional withdrawal strategies becomes questionable. Through risk pooling and mortality credits, insurance companies can guarantee you'll never outlive your money – something no market-based investment can promise.

Whether you're approaching retirement or already there, this discussion offers crucial insights into creating retirement income that lasts as long as you do. Ready to discover if fixed index annuities might play a role in your financial future? Call us at 866-780-7233 for a complimentary consultation and free copy of Sheryl's book "Why I Bought Indexed Annuities."

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To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com