Annuities are selling at record levels—yet most people can’t explain what they actually are. In this episode of Your Retirement, David Meche tackles the confusion, misconceptions, and “bad rap” surrounding annuities and why they remain one of the most misunderstood tools in retirement planning. The discussion explores why annuities feel complex, when they may or may not fit into a portfolio, and how they’re often used to create predictable income alongside other retirement assets. Rather than focusing on products, the episode centers on asking better questions, understanding tradeoffs, and deciding whether an annuity belongs in your broader retirement strategy.

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